BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX TRANSUNION AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, OHIO XXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS 1.XXXX XXXXXXXX XXXX 2.XXXX XXXXXXXX XXXX XXXX 3.XXXX XXXX  XXXX 4.US DEPT OF ED/XXXX  XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT

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 2022-06-30
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: Investigation took more than 30 days

Complaint:
MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, OHIO XXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.US DEPT OF ED/XXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: M&T BANK CORPORATION
State: AL
Product: Mortgage
Sub-product: Manufactured home loan
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
i requested my monthly statements for 8 consecutive years but they will not comply.but they rather foreclose on me to take my property from me and after XXXX of staying i was told i have no equity in my home and they have taken it upon themselves to extend my mortgage for another eight years the company name M & Tbank my account number is XXXX 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 2023-08-24
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The accounts below are fraud accounts that are added to my credit report and needvto be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Fraud/Theft ) XXXX XXXX XXXX  # XXXX ) - XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: Avant Holding Company, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized credit inquiry from Avant on XX/XX/2020. I sent a letter to XXXX  to have removed with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: OH
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:
LVNN Funding LLC Reporting charge off on credit file but this account isnt mine. There not able to prove ownership of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Huntington National Bank for which I am a cosigner for a truck has inaccurately reported XXXX missed payments. I am writing because the payment was made on XX/XX/XXXX and they updated today with a XXXX late notice. Causing my credit score to lose XXXX. I opened a dispute with the credit bureaus but in XXXX this happened twice. XXXX inaccurately reported XXXX late payments when my bank verified these were paid on time. The credit bureaus did nothing to fix XXXX mistakes so I am taking action now to prevent them from neglecting my account. It took years to bring up my score for inaccurate mistakes from Huntington. This company is unlawfully reporting late payments when my bank account verified they come out on time. Huntington does nothing to fix these mistakes.Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EdFinancial Services
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I issued a payment for 2 Unsubsidized Loans to Edfinancial on Friday XX/XX/XXXX for {$6000.00}. The payment was to pay the total of my last Unsubsidized Loan of {$3500.00} ( XXXX on pictures ) and {$2500.00} for a part of loan ( XXXX ). {$6000.00} was taken out from my checking account on Monday XX/XX/XXXX and by XX/XX/XXXX only {$2500.00} ( for XXXX XXXX ) payment was processed. 

However, the remaining balance issued to pay the total balance of my last Unsubsidized loan ( XXXX ) is not showing up anywhere. The whole loan is still accruing interest on the total of the loan and they haven't respond to my email regarding this issue. I want to know where the remaining {$3500.00} are and why they are not process that payment. 

I added pictures of when the money left my bank account, and my balances on EdFinancial end. 

Thank you for any assistance regarding this issue. 

All the best, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-06-30
Company: Experian Information Solutions Inc.
State: GA
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:
MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX XXXX AND EXPERIAN ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, OHIO XXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS 1.XXXX  XXXX XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXXXXXX 4.US DEPT OF EDXXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT

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 2023-10-21
Company: Experian Information Solutions Inc.
State: IL
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 am requesting that it will be removed from my credit report as soon as possible.

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 2022-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Paid off Kohls account online in full because in escrow {$58.00} was total due in full on XX/XX/22 I paid it then cancelled my auto pay on the account because wasnt planing on using this account till after escrow & closing on my new house then they say the mailed a statement showing I still owed get this {$6.00} which I didnt because I paid it off I never got the mail because I moved & did forward my new address for another state so they say I was late a month on said payment & I never got a phone call either like they have in the past & they reported late payment to credit beaus killing my credit score XXXX points & I close next month on my house I need this reserved asap! I did call in & they said dispute it but that wont help In time I could loose the house please help. I did make the payment of {$8.00} right away when I got an alert from my credit services advising of the points change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
{$95.00} being reported as delinquent when I didnt contract with this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX TRANSUNION AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, OHIO XXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS 1.XXXX, XXXX XXXX 2.XXXX XXXX XXXX  XXXX 3.XXXX XXXXXXXX XXXX 4.US DEPT OF ED/XXXX  XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX  AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT

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 2023-10-05
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-05
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Attached to this complaint is my XXXX XXXX  Statement for proof of payment for the following XXXX  Installment Loan Accounts currently listed and showing on my Experian credit report : XXXX, {$2200.00}, XXXX, {$260.00} and XXXX, {$2200.00}. The accounts are paid as agreed and I want the XXXX accounts immediately deleted, removed and permanently blocked from my Experian credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: NC
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
A fake XXXX Support ( XXXX XXXX XXXX ) pretended as if they were helping me fixing my laptop issue and tricked me and took {$1400.00} using my phone screen share function. They registered their own number XXXX under 'my name ( XXXX XXXX XXXX ' and withdrew the money of {$1400.00} yesterday ( XX/XX/2022 ) using my Bank of America 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 2022-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CFPB + Capital One, This is for Capital One account ending in XXXX. 

On my latest XXXX credit report dated XX/XX/XXXX it states I have 90 day late payment on XX/XX/XXXX and 120 days on XX/XX/XXXX. 

Capital One according to your attached letter - you were removing all late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The secured credit card account was closed, with a {$0.00} balance, on XX/XX/XXXX. 

However, XXXX is showing I have late payments on XXXX and XX/XX/XXXX- which is not correct, as the account was closed XX/XX/XXXX. 

( By the way XXXX and XXXX do not show this ). 

Can you please prepare a more clear letter from Capital One that states this? 

I have tried to rectify with XXXX and they say you need to provide them and myself a letter stating as such so they can remove. 

Attached to this CFPB complaint are : - drivers license - social security card - address - snippets of the credit report - your letter to me that needs to also add the parts to remove late payments for XXXX and XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Debt Validation Request for XXXX Dear Sir/Madam, I am writing to formally request the validation of a debt that your agency claims I owe. I received a communication from your agency regarding an alleged debt, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request validation of this debt. 

I request that you provide the following information to establish the validity of the debt : 1. The full amount of the alleged debt, including any additional charges, fees, or interest that have been added. 

2. Detailed information about the original creditor, including their name, address, and contact information. 

3. Proof of your agency 's authorization to collect this debt, including documentation demonstrating that you are licensed to collect debts in my state. 

4. Verification of the date this alleged debt was incurred, along with any supporting documentation that proves I am responsible for the debt. 

5. A complete payment history showing all transactions related to this debt, including any payments made, charges, and any adjustments or credits applied. 

6. Copies of any contracts or agreements I supposedly signed with the original creditor, specifically proving my liability for the alleged debt. 

Please note that according to the FDCPA, you are required to provide this validation information within 30 days from the date of this letter. During this time, you should cease all collection activities related to this debt until you have provided the requested validation. 

If you are unable to validate the debt, or if any of the requested information is unavailable, please immediately cease all collection efforts and remove any negative information regarding this debt from my credit reports. Failure to provide the requested validation will result in the assumption that this debt is invalid, and I will pursue all available legal remedies to protect my rights. 

Please ensure that all further communications regarding this alleged debt are conducted in writing. Any phone calls or other forms of communication should be documented and kept for my records. 

I expect your prompt attention to this matter and a timely response. I look forward to receiving the requested information within 30 days from the date of this letter. Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received an email from Mr Cooper XXXX XXXX on or around the XXXX of XXXX regarding changes to how I can pay my mortgage which included changing my due date to meet my schedule. When I called on XXXX to inform Mr Cooper that XXXX wanted to change my due date I was told that I could not change. I referred to the email that I received and was told that they had not sent any emails to me and it was a scam. When I confirmed that the email did come from Mr Cooper I was then told that oh yeah I got it too but it was sent out by the marketing department. I was then told that the only way I can change my due date is to refinance my mortgage and that is why I received the email as part XXXX a marketing plan for the company. I feel the email was misleading and false or misleading. I

Company response to consumer: Closed with explanation