BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-19
Company: Dyck-O'Neal, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dyck ONeal has a account showing open that is intact a collection.they finally sent me some information wrong information showing a debt for the Amy of {$160.00} with a payment date ofXX/XX/XXXXyes XXXX.account number XXXXthis is FALSE information and I demand it be removed permanently and completely from my credit file.i have a copy of the letter showing this to prove my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
IN MY PREVIOUS COMPLAINT I REQUESTED MY MORTGAGE STATEMENTS FROM XX/XX/2018 THRU XX/XX/2018 SINCE I NEVER RECEIVED THEM. I WANT THE ORIGINAL PAPER MORTGAGE STATEMENTS NOT COMPUTER GENERATED STATEMENTS. IF THIS IS ALL THEY, RE OFFERING I WILL LODGE ANOTHER COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, 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:
Attended XXXX University one semester, did not go back the next due to financial aid being cut. Advised student affairs, was charged for next semester when they were told I was not attending.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: Experian Information Solutions Inc.
State: KS
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:
XXXX, XXXX, and Experian need to remove the collection account for XXXX XXXX XXXX. 

I have submitted a dispute on my credit file because this debt is not valid. The original creditor can not provide the fully executed contract and refuses to provide proof that they cancelled the account was cancelled by the business. 

This is a dispute that would need to be settled by the fact-finding process of the civil court system. It is not fair for the creditor and the credit bureaus to hold my credit report hostage without sufficient evidence of this debt. The creditor did not allow me the process to dispute the debt by providing full documentation. 

Since the creditor is unable to provide a fully executed and valid contract, the file should be removed from my 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 2020-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
THIS ACCOUNT WAS AN AUTHORIZED USER ACCOUNT AND I REQUEST THAT IT BE DELETED FROM MY CREDIT PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have some credit inquiries that I do not recognize. They were informed only on XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX CXXXX XXXX XXXX XXXX Bank of america - XXXX Bank of america 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 2020-12-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a notice in the mail for a massive debt. The debt said I owed USAA the company a debt of over {$20000.00}. I have never had USAA as a company, nor am I aware of any debt I have ever had for any reason with such a high amount, and the date the said XX/XX/XXXX doesn't ring a bell at all. So I responded to the debt letter with a request for verification, I did this through the USPS with certified mail with signature required so I know they received the letter as I only had 30 days to reply. The letter they sent said it was mailed XX/XX/XXXX, although I did not receive the letter until the XXXX of XXXX, so this left just a short amount of time to reply. Around XX/XX/XXXX I received my letter back saying it was refused, despite 3 attempts to deliver. I can only assume they do this on purpose to make sure no one can ask for validity within that first 30 days. I have my letter, proof they attempted to deliver the letter and proof they refused it. I couldn't send another letter and make it there within that first 30 days. The company name is XXXX, XXXX. The address I sent it to is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, IL XXXX The actual amount of this is supposed debt is {$20.00}, XXXX. I have included a copy of that letter on the upload area without signature since I printed it and signed then sent it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: IN
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 did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 closed on a Home Loan in XX/XX/2019 with XXXX XXXX  XXXX and setup my auto pay with their loan service Department. I always do auto pay. 
I had even setup and additional payment of {$1000.00} on top of my monthly payment. 
However, the bank apparently sold my loan to another service provider. 
They failed to contact me about this and did not transfer my auto pay. This is why one payment was missed since I thought the auto pay was activated.

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 2021-01-24
Company: DISCOVER BANK
State: MA
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:
Dear Discover and XXXX ; I was shocked and surprised today again when I reviewed my recent credit report and noticed a discover credit account in " terminated account status '', which I've called both XXXX  and other credit reporting agencies along with Discover that I have no knowledge of this old discover account. I've asked for it to be permanently deleted & removed from my credit report, but it still showing up on the XXXX report. However, i spoke with DIscover and they mentioned that they've already ordered all the major credit bureaus to remove it but i need to follow up with them at this point - Which i've done!

I do have an active account with Discover right now, but i'm not aware of a credit cart that was opened on XX/XX/2009 with a credit limit of {$7800.00}. Please delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-24
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: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX have 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.

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 2023-05-19
Company: Experian Information Solutions Inc.
State: MD
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

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 2020-07-18
Company: TRANSUNION INTERMEDIATE 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 received an alert that XXXX XXXX pulled my credit report without my consent on XX/XX/2020. I am Currently in dispute with them and requested a validation of contract and payment history and have yet to receive it but they pulled my credit? I have not applied for anything with them so Therefore they illegally accessed my credit report without consent in addition to them providing inaccurate information of my transunion report! They are reporting duplicate accounts on my report which majority show in good standing accept 1. I do not owe them and everything is paid in full which the screenshots show of my credit report. Same account numbers, same amount all show no balance! The dates of last activity are inconsistent and not aligned with their argument that I owe. Please look In detail at the information. This credit union is doing some Actions not in alignment with the FCRA and this must cease. They are predatory and retaliatory and its messing with my credit rating.

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 2021-06-03
Company: Torres Credit Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today XX/XX/XXXX, I realized my XXXX  membership was deactivated as I got a new debit card late XXXX, XXXX, early XX/XX/XXXX. My XXXX  membership was not renewed as it was an auto-pay. I went to check my credit score and noticed my credit score significantly dropped and found a charge that was not related and or familiar to me. Torres Credit Service XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. Act Grid Code XXXX XXXX XXXX balance date : XX/XX/XXXX ; balance {$830.00}. All of which is not mine. Please help me in removing this item from my report ( s ). Thank you. I have left messages for Torres with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-18
Company: SYNCHRONY FINANCIAL
State: WA
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:
Two hard inquiries to my credit report on XXXX- significant negative impact to my credit report, which I am trying to improve so I might purchase a home. 
These two inquiries were made consecutively, without my consent or knowledge on XX/XX/XXXX, and XX/XX/XXXX, of 2019. They were made by a company called SynchB, from XXXX FL.

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 seven 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 that the information is inaccurate.

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 2018-12-05
Company: ID Analytics, Inc.
State: MI
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 would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, IA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, NY XXXX Below is the requested documentation for my personal identification

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Found issues on my reports so I sent the bureaus disputes after reading about the laws understanding the use of them on how to help myself better my credit with my identity and proof of what I discovered.This is holding me back from many things in which my credit is needed. 
I sent out 2 different letters both 30 days apart yet I got no timely response? reply all bureaus received my letters EXP XXXX XXXX I will attach the most recent letters so you can see that they were sent certified but if you need any other proof i can do so as well.

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 2023-05-30
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: Reporting company used your report improperly

Complaint:
I am writing to request your assistance in removing unauthorized hard inquiries from my credit report. I have the right to privacy under the Fair Credit Reporting Act ( FCRA ) and my rights have been violated multiple times under various USC codes. According to USC 1681b, a credit reporting agency can only provide information to a party with a " legitimate business need '' for the information. However, in my case, I did not give any written permission to the credit reporting agencies, to furnish my accounts to any third party. Additionally, USC 1681g requires that a credit reporting agency must obtain written authorization before releasing any credit report to anyone. In my case, I did not give the credit reporting agencies written authorization to release my credit report to the parties who made these unauthorized hard inquiries. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Company does not make available the vehicle title for transfer at time of payoff thereby requiring both parties to maintain insurance on said vehicle whilst company takes 2 weeks to produce title. I have proof of lost potential buyers because of this practice. Company claims they don't have titles because " they could get lost ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called the company on XX/XX/XXXX to have a post dated payment in the amount of XXXX dated for XX/XX/XXXX deleted. The representative told me it was already deleted. The payment was still processed on XX/XX/XXXX. I called on XX/XX/XXXX to request a refund. I called back on XX/XX/XXXX to follow up, the rep I spoke with said no request for refund was submitted, but they would submit the request. Called back on XXXX spoke to another rep who said there was still no request submitted. Called again today, the request has still not been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Secation 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2020-07-18
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THIS ACCOUNT SHOULD HAVE NEVER BEEN REPORTED LATE ON MY CREDIT REPORT. 

I HAD AN ACCIDENT ON XXXX 2019 AND PROGRESSIVE PAID THE BALANCE OF THE VEHICLE AND THE GAP INSURANCE PAID THE BALANCE. 

I DO NOT OWE ANYTHING AND THIS COMPANY HAS ALSO REPORTED LATE PAYMENTS TO MY CREDIT WHICH HAS DAMAGED MY CREDIT

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 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTER XXXX BANKRUPTCY  DISMISSED  XXXX {$0.00} XXXX XXXX  XXXX {$200.00} XXXX  XXXX  XXXX {$460.00} XXXX XXXX $ XXXX XXXX  XXXX {$590.00} XXXX  XXXX {$590.00}

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