BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Wrong information being reported

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital one, XXXX XXXX, XXXX XXXX, I am on a payment plan with these creditors and in return I would like to make a delete to offer, when my accounts are paid off I would like to have all negative trademarks removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX, Last 4 of acc # XXXX Account name : XXXX XXXX XXXX XXXX, Last 4 of acc # XXXX Account name : XXXX XXXX XXXX, Last 4 of acc # XXXX Account name : XXXXXXXX XXXX, Last 4 of acc # XXXX 15 U.S.C 1681 602 A. States i have a right to privacy.

15 U.S.C 1681 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 2021-07-16
Company: EQUIFAX, INC.
State: PA
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 asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular XXXX citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Lennar Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2022 I requested a Mortgage Broker to begin a FHA loan with two things. 1. I wanted it to be through the Texas XXXX XXXX XXXX XXXX to use the Down Payment Assistance Program. 2. To use the XXXX  XXXX XXXX program through the same process. 

Later, she discouraged me from doing the Down Payment Assistance program due to the high interest rates. While this is fine, she did not bring up or remember to apply for the XXXX even though it was requested. 

I should have mentioned it again and again to this lender because she forgot and was very terrible at communication. 

I would email regularly and never get a response. Several responses would be unanswered over the course of a month. 

Whatever you do, Avoid Lennar Mortgage if possible!

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX XXXX, was impacted by the " Louisiana DMV Data Breach '' that made World News, impacting all Louisiana residents such as myself. The accounts and inquiries I have listed in this FTC report result from Identity Theft, which I'm a victim of. I have no accounts with the companies listed and would like them removed from reflecting on my current credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-08-14
Company: American Credit Acceptance, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I purchased a vehicle from enterprise XX/XX/XXXX. The vehicle is a XXXX XXXX XXXX and it had XXXX miles on it. Its is currently XXXX and the engine have blown out. I had the car towed to XXXX and which they confirmed I needed an engine replacement, due to the air compressor. Ive contacted XXXX they told me its nothing that they can do, due to the fact that my XXXX XXXX XXXX has expired. The warranty limited miles was XXXX, and I went over that by XXXX miles, that was what I was told by a representative at XXXX. I also asked to trade the car in, that request was denied by a representative at XXXX. I havent had this car for a year and Ive had to replace the starter, and now the engine is no good. I feel as if I should be compensated because, as a young adult I have made all of my car note payments on time as well as my insurance payment. Ive never been late on any payment. I do not feel that it is fair to continue to make payments on a car that is not working. What I would like to happen is that either, XXXX should repair this newly obtained vehicle, replace it or refund monies that have been paid and release me from this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Paramount GR Holdings, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX2022 representatives from XXXX XXXX XXXX came to my home and spoke to me and my wife to get us to sign up to get solar panels for our home. The representatives repeatedly told us this was not a loan and that we would just be making payments to the XXXX XXXX company until the solar panels were paid off like a rent to own type of deal, and they also assured us that due to a current promo in an effort to get more homeowners in Virginia to go solar that no payment would be due for 12 months after installation and that we would be apart of a rebate program. Now we are being notified that payment has become due. I contacted goodleap today on XX/XX/XXXX and spoke with representative XXXX XXXX, and my wife and I explained the situation on how the agreement and line of credit was created based on fraud, and XXXX told us she could not help that we need to contact XXXX XXXX XXXX but she also told us we do not have a contract with XXXX XXXX XXXX, I attempted to contact XXXX XXXX as XXXX directed me to and I was told by a representative by the name of XXXX that they only service the actual solar panels and have no part in the financial aspect of the panels, so now I am getting a run around and being taken advantage of as a consumer that I entered into this agreement uniformed based on the information that was originally provided to me, now understanding that I was swindled into this contract and this was done under a lack of an informed use of credit, meaning this account was created under fraud. I find that this agreement should be null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: ALLY FINANCIAL 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: Problem with personal statement of dispute

Complaint:
This account went into default in XX/XX/XXXX ( this is the date of the last payment reported by Ally Financial ) it has been in a closed status for over 7 years. 

As it has been over seven years since any activity with this account. I opened a dispute with XXXX  and XXXX to get the negative information removed. Ally denied to remove the information and then updated the account with a Charge off on XX/XX/XXXX ( The day they received my dispute via the credit bureaus ).

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 2020-01-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX XXXX, was impacted by the " Louisiana DMV Data Breach '' that made World News, impacting all Louisiana residents such as myself. The accounts and inquiries I have listed in this FTC report result from Identity Theft, which I'm a victim of. I have no accounts with the companies listed and would like them removed from reflecting on my current credit report. 

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 2023-02-24
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Crdit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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. 1681c. ( a ) ( 5 ) Section states ; no consumer reportingagency 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 believethat 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 2019-09-27
Company: ENCORE CAPITAL GROUP INC.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Midland Funding. 
I never received any written that I could dispute. Also, i was on XXXX XXXX and had no income. Paid on it while working then as of right now I'm on XXXX and receiving XXXX and XXXX benefits. It takes every dime I get to get stuff or pay for things for my daughter 's school stuff and events, my bills and other stuff for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, 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:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing LLC improperly applied thirteen ( 13 ) payments made to them during my Trial Payment Plan and subsequent HAMP modification from the period of XX/XX/XXXX to XX/XX/XXXX. Eleven ( 11 ) of  the payments included additional principal, but the additional funds were not applied to principal. Fay Servicing stated that the additional payments were applied to past due amounts from XXXX and XXXX, during which time they were not my mortgage servicer - and my home was in litigation for foreclosure. Due to the misappropriation of my funds and accounting reversals and late applications of payments on my account, my account balance due has never been correct, resulting in a higher balance and additional interest that I should not be responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 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 2022-01-15
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to invoke my specified remedy for the damages done to my life. There has been XXXX XXXX done to my life due to the closure of my longest opened credit credit and debt collection of the remaining balance on the closed card. These unlawful actions by Discover hindered my ability to make critical financial decisions for my business, which is the source of my income. The damages that were done directly impacted my XXXX, XXXX XXXX XXXX, have taken away my time & energy to fight for my rights as a natural person, and have affected my XXXX XXXX due to the XXXX XXXX. The abusive practices of Discover have been tearing away at my life. It has made living this life a continuous and constant XXXX and nobody should have to go through the XXXX XXXX XXXX XXXX of not having enough money to make it each and every month that goes by. The damages done to me are worth much more than my requested {$31000.00} and I could be adding much more to the invoice I have already sent for all the hardship that I was put through as a result of the abuse and deceit, but I will settle with the {$31000.00}. The civil liability sections under the Consumer Credit Protection laws that I have added into the letters, protect me as the consumer and hold XXXX liable to providing me with monetary remedy for the misrepresentation, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2019-12-19
Company: Experian Information Solutions Inc.
State: KY
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 called XXXX 8 times of the past few months. The month they reported I was late is not correct. The account was setup the month prior at the last payment. I knowingly changed it to auto pay as I had XXXX the following up and did not want to worry about missing a payment. I check my credit and they reported it being late. Furthermore they stated the account is reported on the XXXX, the XXXX at midnight. I checked the account again and they have failed to report the correct balance. This has gone on for several months and I can not express how frustrated I am. I am a XXXX vet with a very tight budget. I had a few heath issue arise and used them to boost my credit. They are trying to hurt my credit! I have plans on purchasing a new house and land the first of the year and now they have hindered my ability to do so.

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