BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-25
Company: AFNI INC.
State: IL
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 just looked at my credit report and was shocked to see the errors listed in this correspondence. I am writing to have you remove these erroneous items from my credit profile immediately. 

The following accounts needs to be removed immediately : Account Name : XXXX Account Number : XXXX Amount : {$53.00} Reason : XXXX verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXX Account Number : XXXX Amount : {$3900.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$540.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not.

Account Name : AFNI Account Number : XXXX Amount : {$3800.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not.

Account Name : AFNI Account Number : XXXX Amount : {$230.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXX Account Number : XXXX Amount : {$390.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 


The following Inquiries need to be removed immediately from my credit profile : Creditor Name : XXXX Date of Inquiry : XX/XX/20 Reason : This inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, remove it immediately. 

Creditor Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/20 Reason : This inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, remove it immediately. 

Creditor Name : us small bus admin oda Date of Inquiry : XX/XX/20 Reason : This inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, remove it immediately.

By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit profile. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the above address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: National Credit Adjusters, LLC
State: IL
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 just looked at my credit report and was shocked to see the errors listed in this correspondence. I am writing to have you remove these erroneous items from my credit profile immediately. 

The following accounts needs to be removed immediately : Account Name : XXXX Account Number : XXXX Amount : {$53.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXX Account Number : XXXX Amount : {$3900.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$540.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXX Account XXXX : XXXX XXXX : {$3800.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 





Account Name : XXXX Account XXXX : XXXX XXXX : {$230.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXX Account XXXX : XXXX XXXX : {$390.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 


The following Inquiries need to be removed immediately from my credit profile : Creditor Name : XXXX Date of Inquiry : XX/XX/20 Reason : This inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, remove it immediately. 

Creditor Name : XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/20 Reason : This inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, remove it immediately. 

Creditor Name : us small bus admin oda Date of Inquiry : XX/XX/20 Reason : This inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, remove it immediately. 


By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit profile. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the above address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt should not be reported on my credit, I believe since this debt is older then 7 years under FCRA should not be on my credit file please remove as soon as possible under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Working on the behalf of XXXX XXXX XXXX, we went to the West Virginia DMV, filled out paperwork to have the registration changed from Virginia to West Virginia. They faxed the completed form to Captial one to the correct department several times without any response. I found out later that it was being sent to the correct department at Capital one, but they just failed to complete the request. Since that time, I have been in contact with their Executive Office of the President and as of XX/XX/XXXX, they have not completed the request. This process started in XXXX of XXXX. They appear to have processes that do not work and they are not willing to fix them. They also are holding up the registration so the car is idle and XXXX is paying the payments on the car and also full coverage on the car for one that is stationary. This is, in my opinion a very unprofessional way for XXXX XXXX to handle this account and cause these issues for a XXXX American Citizen. This aided in my wife 's car accumulating over XXXX miles since XX/XX/XXXX, but that is another story, which is a XXXX XXXX XXXX in her car that XXXX need to be replaced again after XXXX miles. With the XXXX XXXX XXXX, there have been things that came to light of bad business, this is one of them. XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: SELECT PORTFOLIO SERVICING, 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: Account status incorrect

Complaint:
I have a mortgage loan from SELECT PORTFOLIO SVCIN, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SELECT PORTFOLIO SVCIN and they said their system mistakenly put me on paperless billing after the loan was re-structured when the mortgage kept being resold, which I did not request, and it caused me multiple 30 day lates. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and SELECT PORTFOLIO SVCIN with no successful resolution. XXXX, XXXX, and XXXX  reporting me 30 and 60 days late. There was an error on their part. I was never 30 days late twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My husband is a 100 % permanent and total XXXX veteran since XX/XX/XXXX. Since this date, I have attempted to work with my mortgage provider, XXXX XXXX XXXX to correct my payment information to reflect that real estate taxes at the city and county level are not required. I have provided the appropriate paperwork and it has been acknowledge as received. I have called our mortgage provider every other week and emailed every other week since XX/XX/XXXX. During my call today, it was acknowledged that the " ticket '' from XX/XX/XXXX was opened and closed and just today ( XX/XX/XXXX ), they are re-assessing the tax and escrow portion of my account. I am at a loss of what to do next as I have exhausted all the avenues I am aware of with my mortgage provider to resolve this on my own. Any assistance that can be provided to help reconcile this is greatly appreciated.

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 2019-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America garnished entire payroll direct deposit as DEBIT FOR CHARGED OFF ACCOUNT XXXX XXXX without ANY notifications

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 2020-07-17
Company: Exeter Finance Corp.
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: Investigation took more than 30 days

Complaint:
I sent over a letter to Exeter Finance because the amount showing on my credit report does not appear to be accurate. I sent the letter on XX/XX/26 and have not gotten any response. This was only after I called in two months before and was told that I would be emailed out information. The company is reporting false information and will not comply with the law by providing me the documentation that I have requested both in writing an over the phone to show the account information as reported on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
USAA FSB is reporting a charge off on my credit report even though it was not charged off. I have been current and have not missed a payment. I have tried for years to get this fixed and it seems nobody can help nor do they know what they are doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
Hello, I have made a total of ( 4 ) attempts to reach out to a Collection Agency name Midland Credit Management about a claim / debt they say I owe. All of my requests for Validation letters to show proof of debt owed along with my legalized signature has not been met. I received ( 1 ) response letter dated XX/XX/20 informing me that the debt owed was confirmed by original creditor and they sent a bootleg looking statement ( will be attached down below for reference ). No other information was provided me as per my request. I received a 2nd letter notifying me that during their investigation with the original creditor ; which could take up to 90 days they would notify all ( 3 ) reporting agencies to delete the collection ( this has not been done ) - letter was dated XXXX. These were the only two responses received back from Midland Credit Management. I requested for them to send me proof of signature or anything binding me to the debt they say I owe ( only received half of a statement with no pertinent details ). According to their notes this account was charged off on XXXX. 

Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-05-06
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to get into my Equifax account. I have spent the 15 minute process verifying with automation as well as with a representative who barely speaks English. Once that was completed Equifax sent a text stating I had to upload my drivers license. But by uploading, I agree that Equifax can use any piece of information of myself for their own dispose for up to 13 months. The only other option was to mail a copy of my drivers license as well as social security card. Not doing either. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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:
This is my numerous request that you adjust this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I NOTICED A FRAUDULENT INCORRECT AND QUESTIONABLE ACCOUNT ON MY CREDIT REPORT. THIS ILLEGAL ACCOUNT IS NEGATIVELY AFFECTING MY CREDIT REPORT AND HINDERING ME FROM BEING ABLE TO OBTAIN NEW CREDIT. I HAVE CONTACTED EXPERIAN ABOUT THIS ACCOUNT NUMEROUS TIMES AND THEY HAVE FAILED TO PROPERLY INVESTIGATE AND REMOVE THIS ACCOUNT. THEY USE DIFFERENT STALL TACTICS TO AVOID MY DISPUTES. I DEMAND THIS ACCOUNT DELETED FROM MY CREDIT REPORTS IMMEDIATELY. IF EXPERIAN CONTINUES TO VIOLATE MY RIGHTS I WILL SEEK LITIGATION DUE TO THE CONTINUED STRESS THEY HAVE CAUSED ME.

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 2021-08-11
Company: ALLIANT CREDIT UNION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our house with a new lender. Our old lender, Alliant Credit Union, put our escrow account money ( {$2800.00} ) towards our loan payoff without getting our consent to do so. Therefore, our new lender paid Alliant, a balance that used the escrow money to get the mortgage balance lower. Based on the XXXX XXXX Timely escrow payments and treatment of escrow account balances, section ( b ) Refund of escrow balance, they are not allowed to do that and the money should have been refunded back to us directly. 

*The rep at Alliant Credit Union also let us know that they were in the process of changing their procedures of putting escrow money towards the mortgage balance, implying that their current process was not legal/had issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I contacted my bank over a year ago XXXX, they have tried to reach out to BMO. BMO has not responded to XXXX. XXXX has asked that I reach out to BMO, which I have. 

My money order was stolen and cashed on XX/XX/2021 for the amount of {$290.00}, claims have been filed, but not responded to.

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a letter to the XXXX Credit Bureaus to remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request this time to discard the following inaccurate items. 
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 XXXXXX/XX/2021 XXXX XX/XX/2021

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 2019-08-21
Company: U.S. BANCORP
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Switched insurance carriers. Despite several requests for and promises from US Bank to send payment from my escrow account, they have not done so and now my insurance account is in default.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 this creditor has violated my rights. Under 15USC1681 section 602 states I have the right to privacy.15USC1681 section 604A section 2 ; it also states a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and XXXX XXXX XXXX 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 2020-01-15
Company: AMERIS BANCORP
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:
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I REACHED OUT TO THE CREDIT BUREAUS AND TOLD THEM I WOULD LIKE TOO SEE PRROF OF SOME ACOUNTS THAT I WAS NOT FAMILIAR WITH.

Company response to consumer: Closed with explanation