BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Reporting company used your report improperly

Complaint:
In XXXX of XXXX i went to apply for a mortgage and i discovered that i was a victim of Identity theft. I immediately filed a police report and fraud affidavit and sent copies to all 3 credit bureaus. All the accounts were removed from my credit reports. A few months ago i checked my XXXX  report and found out that Bank of America had put the account back on only my XXXX credit report. It is not back on XXXX or XXXX I never received any letters from them or XXXX letting me know that the account was going to be re-inserted on my credit or the reason why it was added. ( violation of the FCRA ). I have sent 2 dispute letters to XXXX and some how they continue to " verify '' the account is accurate. I am done dealing with these agencies and their illegal activities. This account needs to be removed immediately or i am filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
4 years on years this company has been harassing me with medical bills that do not belong to me the latest one at {$10000.00} medical bill that is absolutely named to a company that doesn't exist and any directory or any corporate XXXX XXXX XXXX XXXX XXXX XXXX 's is a new name for some other entity they probably made up to continue to Bill and honestly get away with extortion. XXXX XXXX XXXX does not think of themselves as having to comply with any laws that the CPS peep without there nor the fcra or congress. There are giant criminals with thousands of complaints across the internet and we continue to let them do business. this latest piece of extortion opened XXXX 2020 is with a company I've never heard of nor have anything to do with or have signed any bill or promise to pay

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 2021-02-23
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed an account on my credit report listed in collections by Cavalry Portfolio Services for {$1400.00} that I did not recognize. I mailed a certified letter to Cavalry delivered on XX/XX/XXXX formally disputing this claim and requesting they provide me with proper validation, competent evidence bearing my signature, showing that I have XXXX or ever had XXXX some contractual obligation to pay them. 

They sent a response dated XX/XX/XXXX stating that the debt was verified, the debt was subject to resumption of collection efforts and updated their remark on my credit report as " Account information disputed by consumer, meets FCRA requirements ''. All that was included with this letter was one generic monthly summary for XXXX with only my name and mailing information in the account information section of the notice. 

I sent a second certified letter dated XX/XX/XXXX stating that the generic monthly statement summary they sent me does not constitute viable evidence showing this account is being reported accurately. I do not recognize this debt and they have failed to provide me with evidence of any legally binding contractual obligation that I owe them the alleged amount. In response, Cavalry sent me the exact same letter they sent the first time, only the date was changed to XX/XX/XXXX. With that letter they included 12 generic monthly statement summaries like the first one dated from XX/XX/XXXX to XX/XX/XXXX with only my name and mailing information in the account information section of the notices. 

The next thing I know I'm being served a summons for a pre-trial hearing. When I attended via XXXX on XX/XX/XXXX I met with an attorney representing Cavalry that told me that Cavalry did not have my signature on any documents but that the monthly statements that were provided to me were sufficient evidence and that they were suing me for the full balance owed and attorney costs. I now have a trial date set for XX/XX/XXXX. 

I do not recognize this debt, Cavalry never verified the debt, it was reported as if it was verified to the credit bureaus and their only response to my requests for more information was to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 amend 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. 
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

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 2023-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Please see attached documents for further explanations. 
I am seeking arbitration due to violations on my retail installment contract. 
I would also like to rescind my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: EQUIFAX, INC.
State: GA
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:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: EQUIFAX, INC.
State: GA
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:
Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22
Company: RENASANT CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint is that Renasant Bank could not or would not answer my questions concerning providing proof of sufficient flood insurance coverage for my condo A letter from Renasant Bank dated XX/XX/XXXX states that I need to provide additional food insurance or they will purchase a policy to cover, which will increase my monthly mortgage payment. However, they did not state the minimum requirements, therefore I cant due diligently obtain their minimum requirements. 
I called numerous times today XX/XX/XXXX asking for help and was passed around several times and mostly back to the automated system which doesnt tell me anything. I finally asked one of their representatives to stay on the line until I get to the right person to help. He also was led to the wrong departments as well. The Renasant representative finally sent me to FEMA Map & Insurance exchange, XXXX, file # XXXX. FEMA sent me to the Federal Reserves Board, XXXX and they sent me to the appropriate agency which now I am lodging a complaint with CFPB. 
All Im asking for someone to explain to me exactly what the gap is and other questions so that I can be compliant Note that Renasant has all the attachments in this complaint Additionally, the website provide comes up as a potential security Risk so I was unable to pull any information concerning this issue

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 2020-07-17
Company: Experian Information Solutions 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:
I dowloaded XXXX XXXX yesterday for the first time and I noticed I had several accounts that didnt belong to 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 explanation
Consumer complaint received 2018-09-19
Company: EQUIFAX, INC.
State: GA
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:
Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This company keeps harassing me. This company is claiming that I have multiple accounts with them. This is entirely inaccurate. Midland Funding is Im accurately reporting on my credit file. I have no knowledge of the accounts that they are reporting. 

The accounts listed as : Midland funding {$3200.00} Midland Funding LLC {$340.00} The accounts listed on my credit file are not my accounts. 

Midland Funding LLC are in violation of the FCRA. 

I did NOT give Midland Funding LLC any authorization to access or report on my credit file. 

Please have these accounts removed immediately. I have never been associated with these accounts. I have no knowledge about the accounts being reported. 

I have asked for verification, validation as well as my signatures on any documentation pertaining to the accounts listed negatively on my credit file, they have not responded after my many attempts of reaching out to them. 


Midland Funding LLC has threatened me with lawsuits and garnishing my wages but has mot provided me with any of the information I have asked for regarding these accounts. I work extremely hard for my money. It is unethical and unfair for Midland Funding LLC to hold me responsible for accounts that dont belong to me. 

I have no obligations or signed contracts with Midland Funding LLC. 

I look forward to having Midland Funding LLC remove all accounts that they are negatively reporting to be removed from my credit file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-31
Company: PNC Bank N.A.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been trying to obtain a full payment transaction history for my car loan at PNC Bank since Monday XX/XX/XXXX. I have an online account, and the full payment history is never displayed. On Monday, XX/XX/XXXX, there were only XXXXwo payment transactions displayed. I called them and notified them that I need the full payment transaction history to send to My GAP Insurance Company for my claim on the total loss of my car, which would pay off the car loan that I owe to PNC Bank. The customer service representative said that she would send my full history by mail. I did not receive it. 
When I looked back online on Monday, XX/XX/XXXX there was a partial payment history for one year on my auto loan. I called again, on Monday, XX/XX/XXXX, and explained to them that I had not received my full payment history by postal mail, and that only a partial history was shown online. Again, the customer representative said that she would send the full payment history by mail. I have not received a full history online or by postal mail as of XX/XX/XXXX. 
I called again on Saturday, XXXX, XXXX, XXXX, and asked them why they would not show my full payment history online or send my full payment history by mail. The representative transferred me, and there was no response afterwards. PNC has never shown a full payment history online for my account, and removes the payments from my account online. 
In addition, my Car Insurance company had to send them a check for the actual cash value of my car twice because they had the check for almost a month, and the check was not cashed. The first check was sent on XX/XX/XXXX. I thought my car insurance company sent it to the wrong address, because the payment had not been posted to my account. I then had my insurance company three-way call PNC Bank to verify that the address was correct. It was correct. I explained to them that they keep calling and emailing me about the payment, but that my insurance company had already sent them the check. PNC had not cashed the check which had been in their possession for almost a month. My insurance Car Insurance company had to stop payment on the check sent XX/XX/XXXX, and reissue another check on XX/XX/XXXX, which was finally posted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8900.00}, {$8000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2021-10-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Equifax regarding lead bank several time through the dispute process to let them know that. I have paid off account and do not have a XXXX and the credit limit has been increase to XXXX month after month XXXX XXXX  keeps telling me we report monthly which I see the update date changes but. Equifax is reporting from XXXX to present status unknown with a update of XX/XX/2021 The same thing is happening with XXXX XXXX  my balance is XXXX and they are reporting XXXX unknown update since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
It is frustrating to find yourself on a financial situation such as loss of employment, which you can not prevent from defaulting on your mortgage. It was than that I was forced to default on my payments. It was then that I struggled and began making life difficult.. I began to panic and retained an attorney by the last name of XXXX who submitted the firs package to XXXX XXXX XXXX to no success. During the process XXXX XXXX XXXX sold the loan to Rushmore Loan management who will not acknowledge the fact that this loan was under a loan modification. I had to start all over again for they did not have any of my documents.. Time went by with out a resolution. I terminated XXXX XXXX and began to deal with the bank myself. I also did not get any where. I have send various packages to no success. I then re send prepared a package and it was send out various times. The person who confirmed receipt of this package was XXXX XXXX at Rushmore loan management.. 
I continue to look for a job became sick and had no other alternative than to request social security income and asked for my son to move back home. 
I explained to the bank that my son had moved in with me and he is now a contributor. 
On XXXX XXXX XXXX I was told by Rushmore that I no longer had a loan modification and that I had a sale day of XXXX XXXX.. I said when this this happened. XXXX XXXX said well it just pop up. You only have 37 days so we can not review the file. 
I reside in this home. I want to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX failed to properly mail me the monthly invoice. This has happened in the past also. They have a hard rule : only one late fee waiver per length of loan ... even if it is their fault. I have attempted numerous times to speak with CSR 's and supervisors and continue to waste my time getting the same company response, I would venture to say ... that they can do or probably this intentionally to create yet another income stream or revenue source from poor unsuspecting customers ... just like XXXX did with the XXXX battery. My credit rating is important to me ... but more importantly is the way a company treats its customers ... go online and type in XXXX and see all the unhappy customers that have filed complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: CAVALRY INVESTMENTS, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this collection several times through the credit bureaus and directly to Cavalry Portfolio,  which was never answered? I asked for documentation this is my obligation and the procedure of reinvestigation was done. No response from Cavalry!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX I sent a letter to the bureaus in regards to my items being disputed in all forms of inaccuracy XX/XX/XXXX I got no response then I filed stating I was reporting them & certified these aswell.

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