BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-21
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion 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 explanation
Consumer complaint received 2019-06-12
Company: PHH Mortgage Services Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My father passed away on XX/XX/XXXX. There was no will. I informed his mortgage servicer, XXXX, on or about XX/XX/XXXX. At that time, they requested various documents -- death certificate, etc., which I submitted via the e-mail address they provided me. Nevertheless, the company proceeded to foreclose on the home. I paid {$6400.00} from the estate on or about XX/XX/XXXX, to reinstate the mortgage, and I set up auto-pay to keep the mortgage payments on track. The first automatic payment of {$760.00} occurred on XX/XX/XXXX. Around this time, XXXX informed me by mail that the mortgage was being transferred to PHH. Also around this time, I was informed by mail that the lender placed insurance was cancelled. In correspondence dated XX/XX/XXXX, PHH informed me by mail that it was attempting to collect a {$1100.00} " collection cost. '' This is a bogus charge. I have tried on multiple occasions to speak to customer service. After hold times of 20+ minutes, I give up. I am unable to access the PHH online system and have been unable to get through to technical support due to excessive hold times. On XX/XX/XXXX, I sent an e-mail laying out my concerns to two e-mail addresses that were contained in correspondence. I have received no response. I have accepted an offer to sell the house, and I don't want issues with the mortgage company holding up the sale. Monthly payments continue to be withdrawn from the estate account although the payment amount is now {$730.00} for reasons unknown to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: CURO Intermediate Holdings
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:
Speedy cash shared my information to XXXX XXXX. Now they are trying to collect XXXX, I do not know who XXXX is I never signe paper work with XXXX, they bumped the initial amount of XXXX, also they report to the credit bureaus different information, one day my account is open the next day closed, then collections, this been closed, remove It from report, also sending Letter to petition to keep there business open, they took my documents of line

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX (  Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Action Revenue Recovery, LLC
State: LA
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:
I initiated a dispute with XXXX in late XX/XX/XXXX pertaining to a collection account that had been placed on my credit report from the collection company Action Revenue Recover. Action Revenue Recover placed two collection accounts on my XXXX credit report. One account amounting to {$66.00}, and the second account amounting to {$62.00}. I have not been contacted via phone or mail regarding these debts, therefore I have no knowledge of these accounts. Upon finalizing the initial dispute, XXXX responded with a copy of my credit report stating that the accounts in question were verified by the creditor. Action Revenue Recover did not provide any documents or evidence to verify the account, but instead XXXX kept these accounts on my report. I initiated another dispute to XXXX in XX/XX/XXXX asking again for proper validation of the debts, but instead of verifying the debts, XXXX reported the debts by responding with a copy of my credit report stating that the accounts in question were verified by the creditor. Again, Action Revenue Recover did not provide any documents or evidence to verify the accounts, but instead kept these accounts on my report. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX credit report or provide me with physical proof, such as a signed legal binding contract of the debt. Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Merchants & Medical bought an alleged debt from XXXX XXXX on or around I assume XX/XX/2019. Realistically they could have bought it prior to XX/XX/2019 and I assume they just parked the debt until I started applying for a mortgage because surprisingly after 8 months of not hearing a word from the original creditor ( XXXX XXXX ) this debt magically appears on my credit report without written notice that I could dispute the debt, which I would have had I received notice. I suppose they just did not really care about providing notice that I could dispute the debt as it is only for {$96.00}. Thanks to their slimy, unethical and questionable debt collection practices my score dropped nearly 100 points and I no longer qualify for my first mortgage. Had I received notice from them that I could dispute the debt I would have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
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:
cra violation inaccurate information they put formation that is not mine of no knowledge of

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 2018-08-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In reslonse to my complaint filed on XX/XX/2018, Wells Fargo stated they were unable to contact me. 
Wells Fargo called me on XX/XX/2018 and notified me they were reviewing my case and I verbally spoke to XXXX. 

XXXX from Wells Fargo called me again on XX/XX/XXXX and notified me there would be a delay in investigating my case. Wells Fargo called me twice and I answered and spoke with XXXX both times. 

Their statement is untrue and 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 explanation
Consumer complaint received 2020-09-15
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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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 2021-09-21
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In XX/XX/2021, sent a dispute letter to XXXX, XXXX and XXXX to remove Hyundai Finance from credit reports according to 15 USC 1681B - Permissible purposes of consumer reports I did not give XXXX, XXXX and or XXXX written consent to report any information on my consumer reports. 
XXXX deleted this reporting and this was recorded and reported to me via XXXX XXXX on XX/XX/2021. 
This reporting is still taking place today on XXXX and XXXX, which is fraud. Hyundai Motor Finance has committed fraud and admitted by deleting information from XXXX. 

On XX/XX/2021 I sent correspondence via certified mail to Hyundai Motor Finance information them that I am the ORIGINAL CREDITOR and I do not owe any debt to them. 
I included the following : -Cease and Desist -Affidavit of Truth -Debt Validation Letter The certified mail receipt was signed by their agent named XXXX XXXX on XX/XX/2021. 

Letter dated XX/XX/XXXX, received notice from Hyundai Motor Finance ( photo attached ) regarding information of the account # XXXX which details active account, dealership, VIN #, etc. 

Letter dated XX/XX/XXXX, received notice from Hyundai Motor Finance with copy of Retail Installment Sale Contract with Finance charge information. The Finance charge was supposed to include insurance according to 15 USC 1605. Finance charge is the sum of all charges payable directly to the original creditor to whom sale was extended. 

Letter dated XX/XX/XXXX, received notice of cease of communication of verbal communication but they will continue to send mail. Outstanding balance in full and repossession of the vehicle is also noted in letter. 

Many violations according to 15 USC 1692 has been violated.

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 2021-04-13
Company: RGS Financial, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In response to Complaint ID : XXXX via XXXX  under collections account # XXXX RGS Financial has not validated a claimed debt that I owed. Instead they sent an itemized bill ( attached ). I live in FL, never lived at the claimed address. I am requesting my signature for validation. If they don't continue to report, I will be sending a court summons for damages and they will have to attend my local venue here in FL over {$63.00}. I think they have the wrong person. By the way, on my XXXX report their address is reported as : RGS FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( SEE SCREENSHOT ) In their response they claimed their zip code is " XXXX '' which shows they are reporting inaccurately as well on the screenshot below. I can only image how many consumers are being taken advantage with their false address reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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:
On XXXX I purchased a used 2014 XXXX XXXX, I put {$10000.00} cash down on the vehicle leaving a remainder of {$14000.00}. I told him ( loan/finance officer ) that I did not want to use the dealership because they always have higher interest rates ( XXXX XXXX XXXX ) He DID NOT tell me that he was going to running ANY hard inquires on my credit, I was under the assumption that it was soft credit checks. I told him that I used XXXX XXXX for my last vehicle loan and that I enjoyed using them as a financial institute ... .my credit was never ever ran for that company??? I checked my credit last night and apparently he ( the loan/finance officer ) decided to run it 4 times!!!! Can you please have this removed from my credit as a hard inquiry? If I would have known this I would have never used this dealership! 
I DID NOT authorize this for the following ; COAF- Finance on XXXX XXXX  XXXX XXXX Bank XXXX XXXX XXXX-XXXX XXXX I will accept the XXXX XXXX XXXX that is who he ( loan/finance officer )  showed me the offer and had to initial by the agreement. This is the company I did agree to their terms. I am beyond floored that they so easily dropped my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Experian Information Solutions 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 status incorrect

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with  my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. USDOE/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 2021-09-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received a checking account statement on XX/XX/2021 for an account that was opened fraudulently in my name. There was a XXXX balance and no activity at that time on the account. I immediately contacted TD Bank customer service and fraud departments to report the fraud and close the account. I didn't understand how the account was opened since my credit has been frozen with all three credit bureaus for many years. I was told that a credit check wasn't done. I thought that was required!!! I also filed a police report on that day. 

I sent a XXXX letter on XX/XX/XXXX restating the problem and requesting the account be closed. I asked for written confirmation that it was closed, that I was not libel for it and that it would not be reflected on my credit reports. I received confirmation from the postal service that the letter was delivered on XX/XX/XXXX. 

I again received a statement in XXXX still NOT showing the account was closed. As of today I have not received anything to show this account has been closed. 

My concern is that TD Bank did not perform the required credit check. If they had the account could not have been opened since there was a credit freeze on my files and I would have been contacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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 filed a dispute with XXXX in regards to incorrect items on my credit report, it has been well over 30 days ( 45 days specifically ) and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
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: Personal information incorrect

Complaint:
Maybe transunion has robots working or XXXX folks as incorrect phone numbers are reported such as telephone numbers and wrong spelling of names and invalid data and asked twice for it to be fixed but just kept mailing the same inacurrate date. 
what is going on over there??

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 2021-09-21
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Their website does not work, there is no phone number to call, and I haven't received a paper statement. 

Care Credit  Synchrony Bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: EQUIFAX, 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:
Update for : XXXX. 

Received a final reminder before my access expires. As previously stated in XXXX I do not have access to my Equifax credit-report. Therefore, keep this and all accesses available to me so I can view after this problem has been resolved. 

Attachments : 1 ) Equifax reminder email 2 ) Screen-print of the Equifax website error-message.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
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: Account information incorrect

Complaint:
XXXX XXXX has inaccurately reflected negative information on my credit score which has corrupted reputation with potential landowners leasing property, and employment chances were nulled as a result of providing impermissible information about me according to the FAIR CREDIT REPORTING ACT.

FURTHERMORE, has charged to reveal my credit score information to myself which again violates the FAIR CREDIT REPORTING ACT.

CONSEQUENTLY, I have contacted and filed a complaint with them in the past year demanding that they correct, delete, and/or remove the erroneous information on file. subsequently after being charged a fee which was never reimbursed and has violated the FAIR CREDIT REPORTING ACT.

REPORTING agencies mustn't disseminate erroneous or outdated negative information which is a complete violation of the FAIR CREDIT REPORTING ACT.

XXXX XXXX is not allowed to send my information to any employer nor any entity without my written consent clearly indicating that it is permissible, and in doing so is a direct VIOLATION of the FAIR CREDIT REPORTING ACT. 

AS a consequence of these blatant VIOLATIONS the undersigned has experienced an extremely poor score and must be corrected immediately. 

In truth, ( E.R ) 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