BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, XXXX # XXXX. I sent you a letter on XX/XX/2021 and I was expecting to get an answer from you but to this date, over 30 days have passed, I still havent heard back from you. Someone told me to go to this website to follow up attaching the copy of the very same letter I sent you. I heard that it is a violation to ignore a dispute letter so I hope you wont delay this matter any further. I need this inaccurate and misleading information cleared off. I am fully aware of what I have on my report and what I should not have and the information I listed on my report are all mistakes, My information was also affected by the Equifax data breach so please investigate this matter immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: CURO Intermediate Holdings
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I obtained a loan and was not told they were charging interest daily in the application process, speedy cash ca n't use the word default because by law once they use that term they ca n't charge anymore interest. A statement was billed stating I owed  XXXX  and it needed to be paid because my account was in " default '' weeks later I get another bill for  XXXX  that I refuse to pay. The interest was never stated on any of my loan documents in fact she never gave me an estimated payment. Then I realized they do n't close until  XXXX   XXXX  eastern time but charged my account at  XXXX   XXXX  eastern time. I work in the same field and I pay my other loans but I refuse to pay something that 's not properly explained she never said they would hit my account before close and they go in and ac h 1 p ayment at different times in  one day ! More than twice I had to close my personal account at the bank because of this. Their location is :  XXXX    XXXX   XXXX     XXXX  tn  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A few months ago I discovered that this company was reporting a collection on my credit report. I disputed the collection with the credit bureaus, but it came back as " verified ''. I then sent this company a request for validation and they ignored my request. It is my understanding that FCRA requires that a collection agency contact a consumer and give us 30 days to contest a debt prior to them placing the debt on a credit report. This was not done. Neither did they respond to my request for validation of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a loss mitigation packet on XX/XX/2021. I called multiple times after the submission for an update and was constantly told the my application was being reviewed. On XX/XX/2021 I was told that my application was not available for viewing by XXXX  and that I needed to resubmit another application. I have called multiple times for an update and a supervisor was supposed to check in with me weekly to provide a status update. I am still being told that it is under review. Today is XX/XX/2021 and no update has been given and I have not been offered any options for loss mitigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Citizens bank has over charge my account. the amount of fee they charge my account from XX/XX/XXXX to XX/XX/2021 is {$580.00} dollars. This unreasonable and unacceptable. XX/XX/XXXX i was charged {$30.00} service charge XX/XX/XXXX. {$39.00} overdraft on the XX/XX/XXXX overdraft {$79.00} XX/XX/XXXX two services charge for XXXX XX/XX/XXXX overdraft fees XXXX XX/XX/XXXX overdraft fees for XXXX. XX/XX/XXXX overdraft fees for XXXX XX/XX/XXXX overdraft fees XXXX XX/XX/XXXX service charge {$30.00} XX/XX/XXXX overdraft fees for {$39.00} XX/XX/XXXX service charge {$30.00} XX/XX/XXXX overdraft fees for XXXX. Due to all those fees and services charge this institution has and now continue to cause me financial stress. Most of the fees has been wrongfully charged to my account. There is no way that i will know allow my account to stay delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I m victim of a indentity theft! I have a XXXX XXXX  utility bill on collection which i never open. Account has been open on XX/XX/2022 and amout of the collection is {$420.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom This May Concern : Upon reviewing my Transunion account it looks as if I have a LOT of inquires that DO NOT belong to me on my account. I even have some that show up at multiple dates. I mailed a Multiple Inquiry removal letter on  XXXX   XXXX ,  XXXX  by certified mail in order to dispute information, in regards to  XXXX  inquires, that is being reported on my credit report. They received the letter on  XXXX   XXXX ,  XXXX  and they completed the request on  XXXX   XXXX ,  XXXX .   The request that I submitted included  XXXX  inquires that were not factual and I received the same response for All inquiries, which was  XXXX  are a factual record of file access. If you believe this was unauthorized, please contact the creditor.   I would like for the below inquires to be deleted.     XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX  and  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX  ;  XX/XX/XXXX  ;  XX/XX/XXXX   XXXX   XX/XX/XXXX  ;  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX  ;  XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  ;  XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  ;  XX/XX/XXXX  ;  XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX    XX/XX/XXXX    XXXX   XXXX     XX/XX/XXXX    XXXX    XXXX   XX/XX/XXXX  According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 (   a )  ( 1 ) , it states that any information can be disputed and MUST be investigated and if you do not investigate ANS respond, the CRA must delete the disputed information from its files.   The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into the original dispute for hard inquires that does not belong to me, I did not sign for anything.   This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.   Thanks

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 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach  Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2021-06-13
Company: Experian Information Solutions Inc.
State: MN
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:
A dispute was submitted on XX/XX/2021 ; ( 1 ) requested deletion of incorrect name spelling and usage on file. ( 2 ) Information relating to the status of bank accounts is incorrectly listed and an attempt to fix the information was denied, ( 3 ) a debt collector claims to have ownership of an account but can not provide ownership of the account or a contract that we entered into a contract or a contract they purchased said account. A request was made for the information to be deleted because debt collector could not supply proof of ownership or contract information requested. Experian refuses to remove or investigate the above disputes.

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 2021-12-09
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Experian Information Solutions Inc.
State: MD
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:
in XXXX of XXXX i disputed a bankruptcy that experian is reporting to my credit report which is inaccurate they responded with a letter of a credit report and all of my addresses they claimed i lived at .I then sent another letter in XX/XX/XXXX telling them i didn't want a credit report i wanted the verification method of how this account was verified and validated i sent them a certified letter that by law has to be responded back to within 15 days they sent again the same info stated this info was validated and is was verified through the credit grantor and or three party agencies. Over the last year or so i have determined this information is also incorrect, on XX/XX/XXXX i sent them another certified letter stating this is my last time before i take legal action regarding info that is not correct on my credit report. they blocked the information to be seen on online and gave me the answer as if they will not reveal how it was verified and they will no longer be addressing this case. the credit grantor or public record list MD court located at XXXX XXXX XXXX XXXX in XXXX MD. after going to them directly they have sent a letter to me by law that they do not verified or associate with credit bureaus and that this information is not accurate. i also contacted third party agency that collect consumer reports such as XXXX XXXX XXXX XXXX XXXX  non of which has any info regarding info that is related to me over the last year,. 
according to the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit bureau must give you the method of verification information within 15 days of your request. which they have broken the law over the last 3 years after i have sent them proof that the method that claim they use was not true as i went to them directly. i have sent them copies of such. i keep getting conflicted stories about the verification and its validation Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable re investigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. they told me that it will not re investigate as it has been verified my next step is to sue. this information is making me pay thousand of more interest every year and rendering me from buying a home. This information needs to be deleted within 30 days if it can not be verified with a creditable source.

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 2017-04-24
Company: ALLY FINANCIAL INC.
State: TN
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:
In  XXXX   XXXX , the co-owner of the car loan called me to tell me the vehicle was being repossessed. The co-owner stated he filed bankruptcy and he and his lawyer sent in a letter to the loan company turning over the vehicle. I was the primary on the loan and the one making the payments. I went to make  XXXX   XXXX  payment online and I was not allowed into the account. I then called the company to find out why. I was told at that time they had received the letter from the co-owners lawyer turning over the car. At this point I had not received any information about this from the loan company. Not through mail nor through a phone call. After that time, I was not allowed into the account to make payments. I was told they were going to pick up the car. My credit report shows  XXXX   XXXX  30 days late,  XXXX   XXXX  60 days late,  XXXX   XXXX  90 days late,  XXXX   XXXX  120 days late,  XXXX   XXXX  ok, and then  XXXX   XXXX  FP - If I was unable to get into the account and make a payment, how can I have all of these late payments and non payments on my account? The car sat from  XXXX   XXXX   XXXX  before it was picked up. Even though in  XXXX   XXXX  I was told that the vehicle was going to be repossessed, no one picked up the vehicle till  XXXX   XXXX . And then they want to show on my credit that I was late for 6 months. Also, if the co-owner and his lawyer sent in a letter turning over the vehicle without my knowledge, how can this effect my credit? I was not notified by the co-owner nor was I notified by the loan company. On my credit report,  XXXX  companies are showing a balance with this loan company at {$9300.00} and another  XXXX  showing a balance of {$35000.00} - How can there be such a significant difference in the balances of the same loan?

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 2021-12-09
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
sent by certified mail they keep telling me they wont re investigate experian is reporting a bankruptcy experian is not complying with the method verification and the fcra law or following the procedures required by law that protects me they are suppose to reveal such if information and if incorrect delete such information they keep telling me that they dont validate info and its already been validated ( Date ) ( Credit Bureau Name ) ( Credit Bureau Address ) RE : Method of Verification Request To Whom It May Concern : This letter is in response to your recent claim that [ insert name of creditor, collection agency, or court ] verified the account they are reporting is accurate. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or XXXX XXXX is unacceptable. I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represents a very serious reporting error. 

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 

Regards, ( Your Full Name printed or typed ) ( Social security number ) ( Address )

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 2017-04-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Hello, Inadvertently this complaint  (   XXXX  ) was closed. Nissan sent a reply but that reply is inaccurrate & they lied in that letter.     They have made this look like I was at fault. Consumer protection is in place for harrassing calls which I received over  XXXX  per day for over 14 days. A Nissan representative even told me I was placed on autotomatic dialer which I never game permission for this. My statement to be placed on the do not call list was way after their harrassing attemps.     My loan was    XXXX   XXXX   XXXX    but in   XXXX   XXXX   I requested a payment date change to the  XXXX  each month. I have paid my loan consistently with also receiving   XXXX   extensions but paid my loan each time NEVER LATE. In   XXXX   XXXX   I split my payment & STILL PAID within 30 days ... never late.     I clearly explained I would be paying my loan for the next couple of months past the  XXXX  but never later than 30 days.     I was told that was  XXXX  & I would receive " A '' call as a reminder. But I received  XXXX  calls plus per day for  XXXX  plus days. THIS IS HARRASSMENT.     Nissan broke the law and consumer protection. I WILL HIRE an ATTORNEY to sue Nissan if they do not apply the  XXXX  per call as settlement.     Thank you.

Company response to consumer: Closed with explanation