BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-18
Company: Experian Information Solutions Inc.
State: MI
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:
All XXXX Bureaus collectively have refused to issue proof or methods of verification for items I have disputed with them. They continue to send what is seemingly an automated response without addressing my questions or concerns. 

Instead of providing the requested info they keep stating that it has been verified or previously handled. No additional information for methods of verification or proof of an investigation at all. 

Per the FCRA SECTION 611 ( SCREENSHOT PROVIDED ) I am allowed to submit a request a description of the reinvestigation procedure. It should be granted the first time without me having to file complaints.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-23
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The attached post on my credit bureaus claims that a debt was purchased by a third party. At no time from my initial dispute was a debt validated. Under Federal Trade Commission guidelines, a debt must be proved, showing actual hard copy transfer. That does not mean a letter of transfer, but an actual transfer with signature backup. The debt purchase industry is the largest scam ongoing against the American consumer. Both the collection agency/debt purchaser are in violation of their subscriber agreement with every credit reporting agency. At no time was the debt validated, and the initial timeline from the original creditor has been cut off, and thus the debt is illegally being re-aged to benefit both the original creditor and the illegal debt collection process. Both the original trade line must be removed along with the invalid collection process. This problem will continue to exist since the XXXX XXXX XXXX XXXX XXXX Supreme Court decision of XX/XX/2017, whereas the third party purchase voids the individuals rights under the Fair Debt Collection Practices Act. Since there is no proof of true hard copy transfer and ownership, the collection is VOID and the collection process must cease and my file for both accounts must purge. These items must be deleted permanently and my files need to be purged.

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 2017-07-31
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
The recent response to complaint # XXXX stated in the letter that a copy of note and payment history was attached. We were provided only a letter no other attachments.

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 2019-12-31
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
LoanCare acquired my loan in XXXX. They claim they didnt receive all paper work from the previous lender until around XXXX but during this time I was attempting to do a modification and had started the process with the original lender. It took them over 4 months to tell me they couldnt modify the loan. Of course during the modification period they dont want you to make payments because that suggests you dont need assistance. And that means it has hit my credit as late payments for 5 months. They informed that foreclosure proceedings had not started so I could pay the late payments if I intended to keep the home. This is a secondary home so I decided to sell it. I got an immediate cash offer on the home within a few days and we were scheduled to close on XXXX XXXX. I contacted them to let them know I had a contract on the property and the date of the closing so they wouldnt begin the foreclosure process since it would be paid off in 2 weeks. They said it had not started so they would note that Im selling on the XXXX. The title company and I both requested a payoff on XXXX XXXX. I had to call multiple times for it and was always told it was being processed and would be sent by the end of business. Fast forward to yesterday, the XXXX, and the title company still had not received the payoff. I contacted LoanCare and told them we were scheduled to close that morning in less than an hour and we had been given the runaround for this payoff for 10 days and still hadnt received it. They told me that my loan was sent to the foreclosure attorney on Saturday the XXXX and I would have to get the payoff from them! So basically they held up providing the payoff and rushed to gather the documents to send to the foreclosure attorney in an effort, Im sure, to collect more money by tacking on additional fees, interest, and the possibility of me losing the home so they can resell. Whatever the rational is, its unethical when I could have remedied the default on the entire loan yesterday and there would have been no reason to send to foreclosure. Now Im in limbo waiting for them to send the numbers to the attorney before I can close. I even spoke to them Saturday about the payoff, obviously while they were scheming to get my file sent to the attorney, and customer service said it had been processed and the title company would have it Monday morning. They are liars and unethical. I am looking into if they proceeded with my account properly or if any state laws were broken with the way they held up the sell of my home in an effort to get more money out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
TODAY DATE XX/XX/XXXX Experian credit bureau XXXX XXXX XXXX XXXX Account number XXXX CREDITOR bankruptcy XXXX XXXX  According to FCRA SECTION 611 I AM DISTRESSED THAT YOU HAVE INCLUDED THE INFORMATION BELOW IN MY CREDIT PROFILE. YOU HAVE FAILED TO OBTAIN/ MAINTAIN REASONBALE PROCEDURE 'S IN YOUR OPERATION THAT ASSURE MAXIMUM POSSIBLE ACCURACY IN THE CREDIT REPORT YOU PUBLISH. 

PROVIDE FULL DESCRIPTION OF THE PROCEDURE USED TO DETERMINE ACCURACY AND COMPLETENESS. CREDIT REPORTING LAW 'S ENSURE THAT BUREAUS REPORT ONLY 100 % ACCURATE CREDIT INFORMATION REPORTED IS COMPLETELY ACCURATE AND CORRECT. 

THE FOLLOWING INFORMATION, THEREFORE NEEDS TO BE RE-INVESTIGATED. I RESPECTFULLY REQUEST TO BE PROVIDED PROOF OF THE ALLEGED ITEM. SPECIFICALLY THE " CONTRACT '', NOTE OR OTHER INSTRUMENT BEARING MY SIGNATURE. 

FAILING THAT, THE ITEM MUST BE DELETED FROM THE REPORT AS SOON POSSIBLE. 


SERIOUS ERROR IN YOUR REPORTING. 
PLEASE DELETE THIS MISPLEADING INFORMATION, AND SUPPLY A CORRECT CREDIT PROFILE TO ALL CREDITOR 'S, WHO HAVE RECEIVED A COPY WITHIN THE LAST 6 MONTHS, OR LAST 2 YEARS FOR EMPLOYMENT PURPOSES. 

ADDITIONALLY, PLEASE PROVIDE THE NAME, ADDRESS, AND TELEPHONE NUMBER OF EACH CREDIT GRANTIOR OR OTHER SUBSCRIBER. 

UNDER FEDERAL LAW, YOU HAVE THIRTY ( 30 DAYS ) TO COMPLETE YOUR REINVESTIGATION. BE ADVISED THAT THE DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION IS HEREBY REQUESTED AS WELL, TO BE PROVIDED WITHIN FIFTEEN ( 15 DAYS ) OF THE COMPLETION OF YOUR REINVESTIGATION. 

THIS SAME LETTER HAS ALSO BEEN ISSUED TO THE ATTORNEY GENERAL, DUE TO THIS IS THE 2 REINVESTIGATION, WITH EXPERIAN, NO PROOF OF CONTRACT OR NOTE OR OTHER INSTRUMENT BEARING MY SIGNATURE HAS BEEN PROVIDED. 

ATTORNEY GENERAL HAS ISSUED A LETTER HEAD TO CREDITOR THAT YOU HAVE LISTED, FOR PROOF OF SIGNATURE NO PROOF PROVIDED. 30 DAYS REINVESTIGATE AND 15 DAYS TO GIVE PROOF. NEXT LEGAL ACTION ACCORDING TO FCRA LAW. 

30 DAYS FROM NOW WILL BE XX/XX/XXXX, do not provide me with a automatic reinvestigation letter, requesting a copy of contract, or noter with my signature. 





THANK YOU XXXX XXXX XXXX XXXX XXXX, VA 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 2022-01-22
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had ordered online XXXX sofas from XXXX 's using my Synchrony Bank Credit Card in XX/XX/XXXX. Did not receive the merchandise on promised date of XX/XX/XXXX. Called and cancelled the purchase with XXXX 's in XX/XX/XXXX, closed the Synchrony Bank Account in XX/XX/XXXX. 
XXXX 's force tried to deliver the sofas in XXXX. I refused the delivery because of change of circumstances. 
XXXX 's ran a {$690.00} return charge on the Synchrony Card for cancellation, and Synchrony Bank allowed the charge to go through on a previously closed account. 
So now, I am being asked to pay {$690.00} for merchandise that I did not receive. Synchrony Bank does not respond to my messages. Please help.

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 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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 c/o XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXXXXXX XXXX XXXXXXXX, I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law.

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,

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 2023-03-14
Company: LoanCare, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX through XXXX XXXX ( loan # XXXX ) ; requested and was approved for forebearance with XXXX XXXX ( XXXX ) due to covid. At the nearing end of the forebearance with XXXX XXXX we applied for a trial modification. XXXX approved the trial modification to lower monthly mortgage note to {$1600.00}. Trial modification payments were to begin XX/XX/XXXX and we received specific instructions that our loan was being transferred to LoanCare ( # XXXX ) and that our 1st and ongoing modification payments were to be sent to Loan Care. Received notice of approval of trial modification AND service transfer in same notice XX/XX/XXXX. We tried to send the payment per instructions to Loan Care and every trial modification payment was rejected and returned since XXXX. We have contacted them multiple times trying to resolve this issue. We have since divorced BUT have worked together on conference calls and speaking to attorneys to resolve this matter. We have provided loan care with documents from XXXX XXXX showing the transfer and modification, the authorize user ( XXXX ) for the account for the life of the loan, judgments and multiple emails, calls, and complaints to still not have a resolution. Loancare has pulled XXXX 's credit without her permission ( XX/XX/XXXX ), the website shows they received all documents they need and it's in underwriting but yet when we call to get updates we get : " we are missing a few documents, or it's in underwriting ( XX/XX/XXXX and should take 30 days ) and XX/XX/XXXX and should be finalized in 30 days. My question, concern or comment here is -- -Why wasn't the trial modification honored from the previous servicer ( XXXX XXXX ) based on the Fair Consumers Act or the Truth in Lending Act. We have been harassed by notes being left on our door, unnamed, unidentified persons taking pictures of our home and handing us a note to contact LoanCare, Foreclosure notices from Attorneys, extra fees and etc added to current loan, Credit Reporting that gets removed and later put on and removed again, calls to our mobile devices stating " this is an attempt to collect a debt '' all as if we were irresponsible adults that failed to pay our mortgage and that wasn't the case. We faced a hardship and asked for help with previous lender they granted us help only for the help to be rejected by current lender LoanCare

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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. Sec.1681i ( a ), you must complete this reinvestigation within 30 days of receipt of my letter. ( No investigation done ) My letters attached.

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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act. The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

These listed accounts : XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX IXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 : 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 crime which antedates the report by more than XXXX 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 2022-10-19
Company: EQUIFAX, INC.
State: CA
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 recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. Sec.1681i ( a ), you must complete this reinvestigation within 30 days of receipt of my letter. ( No investigation done ) My letters attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: SC
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: FinCo Services Inc DBA Current
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX I received a payment from my unemployment that I been waiting on for 2 years was sent to the account. Between XXXX XXXX I was told additional info was needed. I turned in everything they asked for. So on XX/XX/XXXX I was told my account would be closed. That funds will be sent back to originator. 2 months later and I havent received that payment yet. I was told funds wasnt sent back from my back to file a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/2023 @ XXXX XXXX, I called to get an official Payoff on an auto loan ( XXXX ) I have with US Bank and spoke with XXXX XXXX ( wont give me her last name ). XXXX XXXX completely disregarded the privacy laws and insisted on knowing the reason for a payoff. I told he that it was none of her business to know the reason as to why I need a payoff. She refused to give me the payoff. I asked for a supervisor, XXXX XXXX, ID XXXX, came on the line and rudely refused to give me a payoff as well unless I also provided her a reason for the payoff and refused to send me a payoff document. I asked how to file a complaint, XXXX XXXX advised me that I will have to do it through her. XXXX XXXX advised me that she will file it on my behalf, and gave me a complaint reference # 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 2019-12-31
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke to a single representative who refused to help me make payment plans for my debt. I had to pay all or nothing. All while applying a daily accrual of interest. There were additional {$650.00} of a bill, I have no record owing and the hospital had no record of. I've attempted contact by phone on their automated service and customer service lines. No one picked up for an hour. I emailed them, received no response of receipt. Emailed a week later with a reply that states their email is full and the email was routed to a different person in the same company.

Company response to consumer: Closed with explanation