BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Subject : Formal Request to Investigate and Correct Inaccuracies in My Consumer Reports Dear Sir/Madam, Upon conducting a meticulous examination of my consumer reports, I have uncovered disconcerting inaccuracies concerning reported " late payments '' on specific accounts, including XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. To the best of my knowledge and recollection, I have consistently made on-time payments on these accounts. The inclusion of these inaccuracies not only undermines my creditworthiness but also raises serious concerns regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ) and various other legal provisions, including 15 U.S. Code 1681 section 602 A, 15 U.S. Code 1681 section 604 A Section 2, 15 U.S. Code 1666b, 15 U.S Code 1605, 15 U.S. Code 6802, 15 U.S. Code 1681i ( 5 ), and 15 USC 6802B.

It is imperative to note that 15 U.S. Code 1681 section 602 A establishes my right to privacy, and 15 U.S. Code 1681 section 604 A Section 2 stipulates that a Consumer Reporting Agency can not furnish an account without my written instructions. These legal provisions serve as the foundation of my rights and expectations regarding the accurate reporting of my financial history. The inaccuracies on my credit report, therefore, represent a violation of these rights. 

In accordance with the FCRA and the various codes I have referenced, I must also bring to your attention that a mailed check of {$1000.00} per violation is to be issued to me as per USC and CFPB codes. Each inaccuracy on my credit report constitutes a separate violation, and I expect remuneration accordingly. 

If you are unable to provide substantial evidence to support the reported late payments, I insist that you promptly correct my credit report to accurately reflect the true status of these accounts, which is " on time. '' To the best of my knowledge and records, I have never been late on these accounts, and these inaccuracies have the potential to significantly impact my financial well-being. 

After the completion of your investigations and necessary corrections, I kindly request that you send me an updated credit report to the address stated above, along with the checks for the violations. I deeply appreciate your prompt attention to this matter and anticipate the resolution and correction of my consumer reports without undue delay.

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 2023-10-02
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
Dear LoanCare Mortgage Insurance Dept : Loan Number XXXX I am requesting to cancel my private mortgage insurance. The monthly PMI on my loan is {$140.00}. My current balance is {$490000.00}. 

I have included documentation to support how I know that the equity in my home has reached or exceeded 20 %. The median selling price for my property is {$630000.00} and the average selling price {$620000.00}. 

Please see attached a comparable market analysis completed on my home with comparables recently sold on my street. All homes were built by the same builder and are 4 bedrooms, 3.5 bath homes on residential lots within walking distance. Please review in particular pages 11, 12, and 13 for quick reference. 

Please email correspondence to XXXX and mail to XXXX XXXX XXXX XXXX XXXX, TX XXXX. Please see the XXXX attached. 

Thank you, 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 2019-12-11
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company called MIDLAND CREDIT MANAGE says that I have multiple accounts that are owed and they have failed to provide me on how I owe these accounts, I honestly don't know where they came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Troubled PHH mortgage sent me an early crooked XXXX intervention letter gift dated, XX/XX/2019, explaining how they want to help me save my home when my loan is current and not in default. Setting aside all the evidence I have about other issues I am demanding that the troubled loan servicer stop targeting me with its abusing loan servicing practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: EQUIFAX, INC.
State: MS
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 writing this due to non-compliance with the ( Equifax, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
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: Investigation took more than 30 days

Complaint:
I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account number : XXXX DEPTEDXXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account number : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number : XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
the following amounts were taken from my savings/checking account with Bank of America . They were part of a series of other transfers made without my authorization. 

The transactions took place on XX/XX/2021, as follows : XXXX Transfer - XXXX - {$490.00} XXXX Transfer - XXXX - {$490.00} XXXX XXXX - XXXX - {$500.00}

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 2019-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I closed the account with Capital One over 4 months ago and recently found out the account was never closed and it had a annual payment which came due while I had thought it was closed. Because the account showed that it was still open they were looking for a minimum payment as well as charging interest. I recently purchased a car and used Capital One as the lender. This is when I was notified that this account was still open. I contacted Capital One and notified them of this issue and they agreed that it was a mistake and sent me {$49.00} check showing that there was a balance on the account when it was closed. In order to get it removed from my credit report my lender was requesting that Capital one stated that the account was not past due and both letters I received did not exactly state that so it is still hurting my credit by 50 to 100 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting 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:
DELETE THESE INQUIRIES. 

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 explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: IL
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 am not Liable for this debt with XXXX XXXX, I DO NOT have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested. According to 15 USC 1681 a 2 they must have written authorized permission to furnish those accounts on my credit report. They are in violation as I have not provided this permission. 

I have also filed complaints with the Federal Trade Commission as well as the XXXX XXXX XXXX regarding this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
Company: Netspend Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Netspend closed my account and I am unable to access my funds they wont give me any other info only that they will mail it in form of a check inacoupleweeks

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 2021-11-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I opted for the Forbearance due to Covid-19 back on XX/XX/XXXX and was approved. I didnt realize that the past due amount would all be due all at once until I attempted to pay the regular mortgage payment in XX/XX/XXXX. They told me they would not take the monthly payment only the past 3 months. I couldnt pay not amount and was offered to to a modification. Ive completed the modifications process 3 times and they wait for about three months and say they didnt receive documents. Receipt of the documents was confirmed by the person assigned to my account. She claims that her email wasnt working. I then asked her for the process to file a complaint. No response. We dont know what else to do because its been a year and of course they dont take payments so now the past due amount is beyond our financial means. 

We just wanted a chance and they kept prolonging the process until it was too late then say it wasnt approved because they didnt receive the required documents. I have emails to support every time I sent documents they requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for business finance with a company for a {$30000.00} loan. They applied to multiple other companies without my consent and 11 inquiries were placed on my credit report. I communicated with the companies in question and requested a letter of deletion and receieved nothing. I also called the consumer services of the credit bureaus and I was told that the inquiries were matter of fact and that anyone with a reason can check my credit even if I have a standing security freeze on my reports. the following inquiries are listed below : XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/

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 2023-03-16
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: Was not notified of investigation status or results

Complaint:
I wrote a letter about false information on my credit report, and more than 60 days later, i still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. it is precisely stated in section 611 ( a ) that refusal to investigate these allegation within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and its feasible that it landed in the incorrect hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have contacted Capital One on several occasions advising this account is fraud. What make me know that this company does not care about consumers is the fact that I have emailed the Ceo 3 times and he has not responded. I have sent him 3 emails and I send another department an email as well stating that I have not had any relationships with this company. I tried to obtain there products and they stated I had previous accounts with them. I have advised them that I have never had a relationship with capital one and I have also provided them with an theft affidavit and again I have still been ignored. I have asked them to removed the fraudulent account and they are still reporting and ignoring me. I feel that they are not empathetic to the fact that I am a victim of identity theft and this is very time consuming or even acknowledge that there is a problem and I have never had any accounts with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/23 I set up one payment for each of XXXX of my credit cards. There wasn't enough in the bank account the money was coming from because I selected the wrong acct. But the credit card company attempted to take the money XXXX times for each card. Resulting in XXXX chargeback fees for only XXXX payment scheduled ( XXXX because XXXX separatecarda they did this to ). I called the company and they didn't accept that they did that attempted to take money XXXX times. I can clearly see it on the bank statement.. and refuses to pay for the fees that their program/company messed up on. I have emails from the company saying my " scheduled payment did not go through and must be rescheduled " so there should not have been XXXX more attempts to take money from the acct. For each card.

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 2023-03-16
Company: EQUIFAX, INC.
State: KY
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 XXXX account XXXX XXXX XXXX XXXX ) has violated my rights.

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
They are allowing illegal reporting of debt that is more than XXXX XXXX XXXX, and allowing dates to be changed to not be removed from report. Also allowing identity theft accounts be reported on credit report. They are allowing and excepting illegal activities to credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received my credit report from you. It included the following incorrect information : 1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor XXXX XXXXXXXX  Account Number : XXXX Please remove this account from my credit report immediately! 

2. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX, NJ XXXX please delete it. 
This incorrect and negative information is damaging my credit. Please remove this fraud information at once and send me an updated copy of my credit history report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.

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 2023-03-16
Company: EQUIFAX, 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
Accounts 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 response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Fidelity Account Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Fidelity Account Services, LLC contact a third party ( a relative ) and give private information regarding my account with them. I have contacted them to let them know that they are violating my privacy.

Company response to consumer: Closed with explanation