BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
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 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 non-monetary relief
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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 FCRA, XXXX XXXX Account # XXXX and XXXXXXXX XXXX Account # XXXX violated my rights. 

Law 15 USC 1681 section 602 A. States I have the right to privacy.

Law USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without written consent, which I have not given.

Law 15 USC 166b. Staes a creditor may not treat a payment on a credit card aaccount under an open en consumer credit card plan as late for any reason.

Law USC 6802 Obligations with respect to disclosures of personal information.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX Balance Owed : {$8900.00}

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. 

I demand this be updated to paid as agreed on all 3 credit reporting agency

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
It was in the understanding that Capital One would not assess any late fee charges if I paid account as agreed on time which I have and was assured by the representative. Now they are going back on there word and assess late fee charges of {$26.00}. In XX/XX/XXXX. The charge is in error because I paid by account balance at the time it was due. I specifically asked the account representative if the payment was on time she confirmed that it was and that I would not be assessed any late payment charges to my account. 
I was informed by Capital One on XX/XX/XXXX after receiving and activating my new charge card that I was assessed a late charge by Supervisor Account Representative that there was a charge of {$26.00} assessed to my account due to late payment. I explained to Supervisor that the prior representative whom I made my timely payment on XXXX XXXX XXXX  informed me and assured me that there was no late charge payment assessed. I asked him to please review the recording and if we could review together for accuracy and supervisor informed me there was nothing he was going to do about it. There was no empathy from supervisor and he was unable to help me and was ready to hang up and stated if I did not like it I can take my business elsewhere. Then was told with this kind of account being that it being a secured account there is no courtesy to be given to which made me feel less than offensive veiled comments to a card holder. I was also told by supervisor that I was denied information as to the recorded call due to the fact that was Capital One proprietary information and that I could not listen to my own call that I authorized to be taken. I then asked where in the Capital One policies and procedures that I could go to read and review as to why I am being denied this information. I then requested to be able to speak with another manager or someone from the corporate office and he very rudely stated he was the highest level and made me believe that there was no one else. At this point I let him know every organization has management and/or a corporate office, extreme unprofessionalism. At that point I asked if this call was recorded for accuracy and was informed that it was so I would like both calls reviewed. I am beginning to believe that this type of behavior is typical of Capital One. I think this supervisor was incredibly offensive, insulting and discriminative towards me. I must insist that this complaint be investigated to the fullest extent possible. I also request that the results of this investigation be sent to me so that I might personally review the findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My XXXX loan account was paid in full on XX/XX/2023. XXXX  is still reporting a balance on this account to the credit bureaus. I have emailed XXXX and sent a credit dispute and they have not responded to my email and responded to dispute incorrectly.

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 2023-03-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  account # has violated my rights 15 U.S.C 1681 section 602 A states I have the rights to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. in XXXX of 2012, a XXXX XXXX XXXX account was opened under my name without my knowledge or consent and was used and left a {$4800.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.

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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that these inquiries were erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX 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 2023-04-03
Company: EQUIFAX, INC.
State: TN
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There was XXXX XXXX account that had fraud charges. XXXX XXXX  removed the debt off my credit report and closed the investigation as final no charges to me. This is affecting my credit and I wrote called and let them know the debt was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: NATIONSTAR MORTGAGE LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mother and I are currently in the middle of a bankruptcy. We are being contacted by representatives of our mortgage company saying that we are being foreclosed on. We had communicated with our mortgage company several times that we would prefer a deed in-lieu process. Our mortgage company claimed we were assigned to an expert that would help us in this process. The expert has never made contact with us and attempts from us to contact the expert resulted in automated emails or voice messages claiming the expert was on vacation or unavailable. I called our mortgage company by phone and I was told by a representative that the expert could not help us and we would have to apply for a modification before going through a deed in-lieu. We applied XXXX times for a modification process and our mortgage company continually denied our modification claiming that we did not provide paperwork despite proof presented that all paperwork was turned in with certified delivery. The mortgage company has made no effort to accept a deed in-lieu and is continuing with foreclosure proceedings. Our bankruptcy lawyer has also made no attempt to contact us or help us regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: NY
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX : # XXXX XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXXXXXX XXXX  : # XXXX These creditors have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: NJ
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: Yamaha Motor Finance Corporation USA
State: CT
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:
I ask to finance a XXXX XXXX amd when they run the credit report it shows a collection from Yamaha Corp I call them to see if they knew. And I even spoke to a manager and XXXX couldn't find any mistake. Because I made on time all payments. I need to be fix it because that cause me the interest that I have to paid on my new car is bigger than was supposed to be because of his mistake. Amd now they don't see it to fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: NY
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: MN
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 accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX BANK XXXX XXXXXXXX .... 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-20
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XX/XX/XXXX, My credit report stated I had an collection from ( XXXX XXXX XXXX sold to LVNV FUNDING ACCOUNT # XXXX listed multiple times on my credit report. on XXXX I Disputed this collection with XXXX XXXX XXXX XXXX requesting proof that this debt collector own this debt and has the legal authority to collect it or delete this account. XX/XX/XXXX, Debtor purchased debt ( violations : proof of debt with wet signature. ) XXXX, I Disputed this collection again with XXXX XXXX XXXX XXXX XXXX. Creditor removed collection account from XXXX XXXX XXXX and one time on XXXX only. I requested to be removed on all bureau. creditor sold debt to Debtor and Debtor failed Request. Debtor purchased debt violations : proof of debt with wet signature, XX/XX/XXXXXXXX I Disputed this collection with twice XXXX XXXX Debitor reported the collection account on XX/XX/XXXX with the same account On XXXX XXXX XXXX as of XXXX ( violations : balance on account charged off, proof of debt with wet signature, illegally re-aged date last active to XX/XX/XXXXXXXX  on XXXX as of XXXX XXXX payment status is late 120 days on a collection account XX/XX/XXXXXXXX Debtor has reported the collection to XXXX ON XX/XX/XXXX Debtor has not responded to my request or updated my account on XXXX XXXX XXXX. This Debtor and Bureu 's has failed to do a proper investigation. this account is clearly in multiple violations and did not remove this account nor sent me proof of debt and the legal right to obtain this debt with my wet signature. I demand for this debtor to remove this account immediately.debtor failed to update the comment section that i disputed this account. debtor and bureau deleted the information on XXXX XXXX XXXX and reported the account as of todays date XX/XX/XXXXXXXX Creditor ( XXXX XXXX XXXX removed from XXXX sold the debt to LVNV and then LVNV reported the collection on my account and did not update in the comment section that an investigation was completed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, 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:
I'm sending this complaint to inform AGAIN the credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized inquiries that reporting on my credit report. Since this is a strict violation of FCRA laws I need the inquiries removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation