BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Transunion requesting that they correct these erroneous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if Transunion chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Date XXXX Balance : {$2400.00}, XXXX XXXX Date XXXX Balance : {$9700.00}

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 non-monetary relief
Consumer complaint received 2022-03-10
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: 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 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 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 2022-03-10
Company: EQUIFAX, INC.
State: NY
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 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 2022-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
While checking my credit report, I notice an account from Capital One Bank USA that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 90 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that Capital One Bank USA is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Pursuant to 15 U.S.C. 1693f, I hereby demand that your financial services institution remit reproductions of any and all documents/materials used to substantiate the conclusion that a billing error did, or did not, occurr. [ Background ] My mother made an ACH payment authorization to have funds debited from her bank account to pay on my statement. The authorization took place on or around XXXX XX/XX/2022 and was returned with XXXX -- unable to locate. This is a distinct error code from XXXX -- NSF, XXXX -- closed account, or XXXX -- invalid account number. I filed a billing error notice within the sixty ( 60 ) day period. XXXX XXXX, in Discover Executive Office of XXXX XXXX, conducted an investigation. In a follow-up conversation he conceded that when comparing the supplied account information disclosed with the live agent, he was ony able to match the last four ( 4 ) digits of the account being debited. That is, whomever, and through whatever investigatory process he recieved the transaction information from, it/they provided him only with the last four ( 4 ) digits of the account number to match against the phone-based ACH authorization with a live agent that occurred on XXXX XX/XX/2022. And, although he was given the full routing number for the financial services institution, he was not provided with the first name and last name as keyed into the XXXX authorization by the live agent. This is troubling as the error could be on the part of Discover and its live agent. The investigator was not provided with that information. The steps in the billing error process are quite clear. 15 U.S.C. 1693f ( d ), " Absence of error ; finding ; explanation, '' states ''If the financial institution determines after its investigation pursuant to subsection ( a ) or ( c ) that an error did not occur, it shall deliver or mail to the consumer an explanation of its findings within 3 business days after the conclusion of its investigation, and upon request of the consumer promptly deliver or mail to the consumer reproductions of all documents which the financial institution relied on to conclude that such error did not occur. The financial institution shall include notice of the right to request reproductions with the explanation of its findings. '' XXXX XXXX resonded to CFPB complaint XXXX with a copy and paste summary -- there were no documents attached. XXXX XXXX XXXX, as agent for Discover, is knowfully and willfully violating 15 U.S.C. 1693f ( d ), or he has no docunentation to indicate a reasonable billing error invesigation was conducted. If you refuse my demands, I will pass this matter along to my attorney and file a complaint with DOJ : US Attorneys Office for my district.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: STATE FARM BANK, FSB
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXX 2017 I made an online payment from XXXX XXXX XXXX to pay my mortgage to State Farm Bank, the payment never got applied. I called State Farm at least 10 times about the payment, every time I called them there was a different story. At one point as rep said they found the money in the cash reserve and that State Farm was going to apply the money to my mortgage the following month. I did not realize the payment never got deposited until I got a late payment letter in the mail. I called State Farm and they told me that they never had the money that the money was deposited in XXXX XXXX. I called my bank to see if we could stop payment but the check was already deposited. I called XXXX XXXX to see if they had the money, they said they have no record of ever having it deposited. I called my bank and they told me I needed State Farm Bank to sign and affidavit. I went to my local agent since State Farm is not a brick and mortar. After a few weeks my agent said State Farm refuses the sign. I called my bank ( XXXX XXXX ) and they said they can not do anything until we get that affidavit signed I have a hard copy of the check written out to State Farm Bank and the back of the check stating it was deposited by XXXX XXXX. I am at wits end and frankly want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a Bon ton credit card and made a purchase in XXXX 2016. I did not receive a bill to the items I purchased. I got a call in XXXX 2016 and paid for the items. I settled the account and advised I would no longer be using the card. I continued to receive Robo calls 10+ a  week. Again, contacted Bon-Ton who referred me to Comenity bank. I have gotten no where with them. They continued to add late fees on top of late fees totaling {$210.00} even though the complete balance of {$72.00} as paid in full for the items I purchased. They are threatening and harassing. They continue to call me even after I have told them to stop on many occasions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-07
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Starting XX/XX/XXXX, Rocket mortgage request documents to assist with the application for success to reduce or repay a past due mortgage that remain after XXXX XXXX voluntary dismissal. An application was required, which was received and completed. Documents requested were sent multiple times, and the reply continues to be " we did not get them ''. XXXX was sent more than twice to request the same documents over and over. Several calls were made to Rocket Mortgage with the person from the accounts resolution team confirming the documents were received, however I was read the notes which stated all the information had not been received, then again maybe got cross in the mail and the account would be noted as such. This went on from XXXX to XXXX stating I was still missing something HOWEVER, Rocket mortgage had no intentions of working with my wife and I at all. The rouse was to tell us that documents were not received while preparing default letters, then a closure letter, stating that since documents were not received we are closing this file was only to buy time with a continued excuse Rocket Mortgage never received requested documents. A few days later I received a certified letter from their attorneys declaring the unpaid amount with numerous fees. All along the information was received but Rocket Mortgage are only interested in receiving {$3500.00} right now, which is pass due amount then a further balance of {$43000.00}. While this scheme went on every day, stating you miss a signature here, another mail said you left out the address, still another one, you didnt answer this question..for several weeks with an account resolution team member confirming, yes we received and maybe it just cross in the mail, afterward we received another correspondence from Rocket Mortgage ; a closure letter stating that since the information was not received we are closing our efforts and foreclosure will continue. Since then, Ive received a certified copy of an order sent to their attorneys with the intent to foreclose. I am filing this complaint regarding the lack of communication that appears to be INTENTIONAL with the unscrupulous efforts to attempt foreclosure. This is a HELOC loan that was taken out in XXXX, and now has a balance of {$43000.00} with {$3000.00} past due. 


Regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
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: Information belongs to someone else

Complaint:
the customer service department did not help remove the negative inquiries that are reporting on your 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 2022-03-10
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Hello I apply for the mortgage assistance due to national emergency for Covid and unfortunately the bank has been extremely misleading purposely and also the bank has make decisions without my authorization including ending the trial And or removing me from the mortgage assistance I really need help please I can provide all the details of the request thank you in advance

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 2017-06-22
Company: EQUIFAX, INC.
State: AL
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:
Good Afternoon, On XX/XX/XXXX I spoke to an Equifax representative via phone and explained that there were several unrecognizable inquiries on my credit report and needed to discuss getting them removed. The representative was very rude and refused to help. <P/>On XX/XX/XXXX I decided to fax a letter to Equifax in regards to inquires on my credit report that are unrecognizable. Equifax sent a generic letter stating the inquires were " factual record of file access '' with not intent to assist me with the related inquiries below : XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX I understand that credit bureaus are powerful corporations, but it is unfair for me as a consumer to suffer from a result of their negligence. I 'm interested in purchasing my first home in a shirt period of time, and I 'm pleading for your help to clear up this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: CORELOGIC INC
State: NY
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, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-07
Company: TRUIST FINANCIAL CORPORATION
State: SC
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:
Truist Bank is in violation of Federal Law bye means of XXXX XXXX XXXX XXXX XXXX They Truist Bank XXXX XXXX NC must cooperate fully with an in Criminal Investigation conducted by they FBI ( XXXX NC ) The Name XXXX XXXX XXXX and Excellent edit Rating is at Seruous Risk becausr of Double XXXX by Truist Bank over Information Theft Investigaste with Impuunity! 
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 2017-06-22
Company: ProCollect, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX i found out that pro-collect had reported information that was not mine to the three credit beauers. I contacted the company and gave the account number that was listed on the credit report and the last of my 4 of social security number. The represenative stated to me that i have no account there and i said send me a letter and removed it from my credit report. The amount for both accounts were totaling over 6,000 dollars. The representative XXXX XXXX XXXX stated i will mail you a letter and you should receive it in 5-7 days. On XX/XX/XXXX when i didnt receive the letter i called back and the supervisors. XXXX XXXX stated this is your account and i said i have proof that was mailed to me by your company which is n't my information on the lease application that they had mailed me. She stated i must send her a lease of were i have being living for past 3 years and i told her i been living with my parents and dont have a lease and she said well there nothing i can do to help you but for you to pay this debt off.She was very rude starting saying this is your account and unless you send me a lease in which i can verify this account belongs to you despite the incorrect social security number and other pertinent information. I told her i was n't going to pay for account and she said ma ' you will because you are using 2 social security number and when i told i do n't she hung the phone up. I have disputed with the credit bearurs and sent the information to them that was sent to me by pro-collect and they said its nothing can be done even though it does n't ' have my social security number on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: NAVY FEDERAL CREDIT UNION
State: MS
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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

10.6

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: EQUIFAX, INC.
State: CA
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:
I have a child support agreement with the Texas AG in which I pay support. I have bi-weekly wage garnishments setup via the Texas AG office so I get them their payments ontime, every two weeks, for the last 10 years. Every so often they send incorrect information that I am late in my arranged payments. This is the problem : they made an agreement with me to collect every two weeks, but report ontime status on a monthly basis. This creates months where I am " ahead '' in payments and months I am " behind '' in payment. My complaint is based on the idea that I am fulfilling the arrangement they setup for payment. How can I be reported late for abiding by the payments terms they setup? I have sent multiple disputes to all 3 CRAs XXXX, XXXX, and Equifax. XXXX  has blocked this incorrect reporting, but Equifax and XXXX  continue to not investigate or actually review the terms, paystubs, and Texas AG records of 100 % on-time payments that I send.

Company response to consumer: Closed with explanation