BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: GA
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:
I'm filing this follow-up complaint to formally inform XXXX, Equifax, and XXXX Credit Bureaus of my intent to update my credit reports within the next 15 days. I earnestly expect these three Credit Bureaus to promptly remove the specified inquiries from my credit records. This communication is a continuation of my previous complaint, dated XX/XX/XXXX. I respectfully request that the inquiries listed in this complaint, as well as those in the aforementioned complaint, be removed upon completion of the 15-day credit report update period : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27
Company: ALLY FINANCIAL INC.
State: MO
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
The caller was yelling at me and continued to cut me off and kept raising her voice

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 2020-02-19
Company: AES/PHEAA
State: MA
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:
PLS NOTE I PAID OFF ONE OF TWO STUDENT LOANS IN FULL XX/XX/2014 THE SERVICE PROVIDER WILL NOT MARK THE LOAN PAID IN FULL AND IN CORRECTLY NOTES BALANCE OF XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have a fraudulent account reporting on my credit reports due to identity theft. I never opened a XXXX XXXX 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 2023-03-14
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
THEY ARE KEEPING XXXX OF MY MONEY AND NOT APPLYING IT TO MY ESCROW ACCOUNT. THEY SENT A CHECK THAT I WAS TOLD NOT TO CASH AND THAT IT WOULD BE APPLIED TO ESCROW. HOWEVER, THE MANAGER IS KEEPING THE MONEY AND HAS ALSO DECIDED TO RAISE MY MORTGAGE TO ACCOUNT FOR THE FUNDS STOLEN. 

This is my 4th time submitting a complaint about this fraudulent company. They did not review my closing documents when becoming my new servicer and was collecting money in escrow for my homeowners insurance and taxes and not paying it which is illegal. 

Although taxes and insurance are included in my monthly mortgage I still had to come out of my own pocket to pay my homeowners insurance because it almost lapsed because they did not pay it. They later on sent my a check to reimburse me. 

In error they also sent me a second check I told them it was an error and that I will not cash it. They said okay and that it would be applied to my escrow account. They never reapplied those funds to my escrow account instead they just kept that money and raised my monthly mortgage fee. 


THEY ARE KEEPING MY HARD EARNED MONEY ANT NOT APPLYING IT TO MY ACCOUNT. Every time I call they take responsibility and say it will be fixed and its never fixed. I have called them over a dozen times. Nothing is ever fixed. This company is illegally taking money from customers and not paying taxes or insurance and even raising their monthly payment saying they don't have enough in escrow. I have had this loan for years without any issue until FAY SERVICES came into the picture. 

The new excuse is that cashed the check when I told them that I did not cash the check and I have bank records to prove it, they do not have any band records that show that check was cashed only that it was sent out. The only check that was cashed was the one to reimburse me for the insurance that I paid out of pocket for. 

Please investigate this company as they are doing this 100s of customers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I am writing to you because I am concerned about the accuracy and honesty of bureau 's data. According to FCRA section 611, It Is important that we have accurate records on file with those who rely on them most- including not Just customers, but also potential lenders or employers. After doing some research into Metro 2 compliance standards I have found that there may be some inaccuracies in reporting going forward. If these issues are not promptly resolved I would love any feedback possible before taking action against you later down this rood together. The inaccuracies that are currently my report are having a serous negative impact on my quality of life The data on my credit report is of high importance and is currently not a representation of who I am financially because it is inaccurate I am demanding accurate documentation so you can document me- the person who deserves status, Society - correctly Please make sure that all inaccurate are removed Immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.

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 2021-03-05
Company: Experian Information Solutions Inc.
State: TX
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:
There are two XXXX bank card listed on my credit reports which I've disputed and the negative information still has not been removed. For one account it is listed as a charge off of {$2400.00} in XX/XX/XXXX, but with a credit amount of {$1500.00} that month and pays as agrees status through XX/XX/XXXX and a delinquency first reported on XX/XX/XXXX, but also first reported in XX/XX/XXXX. This is all incorrect, obviously, and should have been removed from my report. For the second account there is a charge off amount of {$2300.00} in XXXXbut with no balances for that year, only for XXXX and no available credit ever listed. I've repeatedly requested this negative incorrect information be removed as well. but it has not been.

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 2023-04-27
Company: PNC Bank N.A.
State: IL
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 several letters of goodwill to PNC which included a 30 day failure to respond, 60 failure to respond. Their timeline to respond was over 30 days and should by law have the negative information they are furnishing removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX transunion XXXX another violations by them above

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 2020-12-07
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Notice for Proof of Claim Account : I.C. SYSTEM, INC # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

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 2023-11-06
Company: EQUIFAX, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$230.00} XXXXXXXX XXXX XXXX XXXX XXXX {$18000.00} XXXXXXXX XXXX XXXX XXXX {$5800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
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 information incorrect

Complaint:
XXXX XXXX XXXX is reporting wrong address and wrong information on the credit reports

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 2023-02-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
What happens that I can't move my funds, and every time I request help from an agent the only solution is that I must send them as if the disregard and the bad time of this process was no longer enough in which I must give them the information of my personal bank 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 2018-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection letter from XXXX XXXX XXXX ( SEE 1 ) concerning a debt from XXXX XXXX XXXX. The letter was not mailed to my address, but used a relative 's mailing address. My debt to XXXX XXXX is from XX/XX/XXXX as shown on credit report from XX/XX/XXXX ( SEE 2 ). Also the XX/XX/XXXX date is evidenced by letter from XXXX XXXX XXXX (  SEE 3 ). The outdated XXXX XXXX debt from XX/XX/XXXX has been sold and resold over and over again to junk debt buyers from XXXX XXXX XXXX ( SEE 3 ), XXXX XXXX XXXX ( SEE 4 ), and XXXX XXXX ( SEE 5 ). 
In between debt sellers and buyers, my last name and account number was changed. 
My last name change can be attributed to changes on my credit report that the debt buyers had access to. 
The account number was first changed on the XXXX XXXX XXXX letter and again on the XXXX XXXX letter. 
XXXX XXXX XXXX did not issue a new credit card to me after the XX/XX/XXXX closing of the original account. That is not logical! If by some chance they did issue a new card, I did not receive it nor have made purchases ; hence, fraud is involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My name is XXXX XXXX, and I need your help with one of my accounts that is not reporting on two of the credit reporting agencies. I have attached the payment history showing my mortgage history and that I'm still paying on it. I have asked the bureaus to contact XXXX so that it can report but I don't know where the problem is. I was able to get the payment history directly for which I attached so I don't know why they aren't reporting. I know that XXXX does report to the bureaus. I just really need them to add this to my report at least for the last 2 years payments. Any help your company can provided would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 the same dispute I have with XXXX. I got a bill from XXXX XXXX with a balance due and payoff good through date. I paid the bill before the payoff date, I received a paid in full letter from XXXX XXXX, then the next month they billed me again. XXXX XXXX paid this in full.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 to delete and correct the following information in my file.The items I need deleted are listed in the report. This isn't the first time I reached out pertaining to these fraudulent accounts. I have been a victim of identity theft and did not make the charge or benefit from these fraudulent accounts at all. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29
Company: Experian Information Solutions Inc.
State: MO
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 was applying for financing and was turned down and couldn't understand why. When I received a copy of the report Experian is not showing my open active positive accounts. It's upsetting because they are very quick to show the negative but not the positive.

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 2023-02-22
Company: DISCOVER BANK
State: NH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This is a complaint concerning the personal loans I received from Discover. I have always paid payments on time since this loan first started in XXXX. I was able to benefit from their pandemic forbearance program during the Covid disruptions. The scheme was set up in a confusing fashion by Discover Loans, though. Despite the fact that Discover had me signed up for this service, they kept contacting and demanding monthly payments. I asked Discover staff why payments were required even though the loan was in forbearance, and they used a tactic where they passed me from person to person, each of whom gave me different information. This forced me to merely make a payment to be in the clear and to avoid harming my credit. 
They persisted in doing that during the entire epidemic, and in XX/XX/XXXX, even though I was enrolled in the special payment program, they reported me as being 60 days past due. Normal monthly payments had resumed at $ XXXXmonth for more than a year until XX/XX/XXXX, when I enrolled in a program with lower payments that would let me pay $ XXXXmonth for nine months ( Reduced payment program ). Discover continued to call me while I was enrolled in this program and paying the $ 250 monthly payment, demanding the entire amount that they claimed is past due. 
My credit limit was recently reduced by XXXX XXXX on of my credit cards, according to a letter I recently got from the bank due a derogatory remarks on my credit report. When I reviewed my credit reports with the three credit bureaus, I saw that Discover has been reporting my late payments to XXXX, XXXX, and XXXX since XX/XX/XXXX, respectively. Since enrolling in this reduced payment plan, I have called Discover numerous times to inquire as to why my account is showen that i have fallen behind on my payments and what is happening with this program, as it displays that I am {$1600.00} in arrears while being on a reduced payment plan. Discover never once gave me the correct answer. They either use the transfer to different agents trick, drop the call after telling you they will transfer you, or simply say they have no idea and still demand {$1600.00} or whatever amount they claim is past due. I called a few days ago and was transferred to two different agents. One of them was a manager, and at the end of the call she informed me that she does not have any expertise in personal loans and is only trained in student loans, and she promised to leave a message for someone to call me back. 
Meanwhile, they have destroyed my credit and no one has called, despite the fact that I am paying them monthly on a supposedly reduced payment plan. I am XXXX XXXX XXXX and believe I have been discriminated against and abused because of my age. Most of the time, they are condescending and speak slowly and loudly, with complete disregard for my concerns. In most cases, they hang up without warning.

Company response to consumer: Closed with explanation