BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: FL
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:
Upon review of my credit report, I found a number of items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( should only be listed 1 time ) ; Dept of Ed Dept of Ed Incorrect Address ( never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Incorrect Name XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions.

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 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
These are not my accounts, AND or they are older than what the FCRA time line permits for credit reporting by the credit bureaus. Additionally, there are a couple of inquiries in which I did not authorize and my name is wrong several times in my personal profile.

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 2022-09-02
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has failed to report accurate information on my credit report impacting my overall credit score. Multiple times I have contacted XXXX XXXX, Experian, XXXX and XXXX to verify the accuracy of the account being reported and they have stated that the information being reported is accurate. In 2019 I received a Cancellation of debt for 1099-C for the amount of debt discharge of {$6900.00}. XXXXXXXX XXXX  reports on Experian a total balance of {$8400.00}. 

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, also states a consumer reporting agency can not furnish a account without my written instruction. 

Experian, XXXX and XXXX has failed to do a proper and accurate investigation and has validated the accuracy of an account that is not accurate.

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 2022-09-02
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has failed to report accurate information on my credit report impacting my overall credit score. Multiple times I have contacted XXXX XXXX, XXXX, XXXX and Equifax to verify the accuracy of the account being reported and they have stated that the information being reported is accurate. In 2019 I received a Cancellation of debt for 1099-C for the amount of debt discharge of {$6900.00}. XXXXXXXX XXXX  reports on XXXX a total balance of {$8400.00}. 

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, also states a consumer reporting agency can not furnish a account without my written instruction. 

XXXX, XXXX and Equifax has failed to do a proper and accurate investigation and has validated the accuracy of an account that is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Experian Information Solutions Inc.
State: VA
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:
These are not my accounts, AND or they are older than what the FCRA time line permits for credit reporting by the credit bureaus. Additionally, there are a couple of inquiries in which I did not authorize and my name is wrong several times in my personal profile.

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 2022-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I just saw an inquiry on my credit wise account. I am out of country and I didnt apply for any kind of loan or credit card..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have a state tax lien that was paid in full released and withdrawn in  XXXX . I have record from the court stating that  XXXX  County court house nor the state of WI does not report to the credit bureaus nor do they provide information to third parties. I called  XXXX  and Transunion on  XXXX / XXXX / XXXX  on this issue asking them how they Verified this information on my credit report to be true when the creditor they have to contact being the court/state does not give personal information to them. Both companies then admitted that they go threw a third party service which again is in violation of the fair credit reporting act to report false information, when claiming to get information from a court when it is actually obtained from an Unnamed third party. This is more than enough information to be a considered false information on my 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 2021-09-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

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 2015-11-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My Wife & I purchased our house XX/XX/XXXX. My wife is a XXXX Employee. We have take out equity loan out on our property & put the money back into our home. XXXX our Mortgage was sold to Penny Mac by XXXX XXXX Bank. XXXX the home value dropped from {$470000.00} to {$280000.00} and Penny Mac was going to forgive {$180000.00} of our Mortgage. We started the paper work with Penny Mac and they claimed that we were not qualified for and loan modification. We had to hire an Attorney in order to force Penny Mac to modify our mortgage. 
We were mislead by Penny Mac employees, lied to by Penny Mac employees and disrespected and bullied by Penny Mac employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
On the Credit Report Equifax, XXXX and XXXX the account and name and amount are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
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: Account status incorrect

Complaint:
I just recently completed the student loan rehab program. Once this is completed, I was supposed to have all late payments removed and the accounts removed from my credit report. I have had the negative remarks removed from my XXXX report, but the accounts have been labeled collections/charge off. XXXX and XXXX have yet to make any changed. I called the XXXX XXXX XXXX and they informed me that they told the bureaus to remove the accounts. So I called XXXX regarding this, and they refused to do so. They said that I had to wait until 2018, which is totally different from what XXXX is saying. Both the credit bureau and XXXX  are telling me to speak with the other.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
The issue is with GM Financial. 

The lease on my XXXX XXXX XXXX was about to expire, I had the inspection done about 3 weeks before the car was due to be handed in. The excess wear and tear items were : 1.  Damaged Car Emblem 2. Missing charger 3. Missing spare key 4. One tire with too low tread. 
Total : over {$850.00}. 

I figured I had 3 weeks to clear these up. So. 
1. Emblem was just covered in plasti dip, so I removed it. 
2. The charger was at home, the inspection was done at work. 
3. The spare key was at home, the inspection was done at work. 
4. Got the tire replaced with a used that had more tread. 

I returned the car to the dealer, who had no issues, they checked the spare key and charger, both of which I supplied to them Today, I got a letter from GM Financial, requesting the full amount. I called them and they were not interested to hear that I turned everything in, and insisted it was my job to prove it all. I don't have the car anymore, I turned it in about a month ago. 

The guy who did the inspection said that I would be fine and just make sure I return the charger and key when I give the car back. 

This is clearly a rip off. I even washed the car before giving it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been contacted by EGS Financial for a debt I owe to XXXX Bank. On XXXX XXXX, 2016 they contacted me six times from a different number each time. I will list the numbers below and the times that they called. At XXXX I was able to take the call and spoke with a representative. I asked her if they have mailed a letter for debt verification. She stated that they e-mailed me, I advised that I have never received an e-mail in my inbox nor my junk mail. I advised her that they are supposed to mail a letter and they are not supposed to be contacting me on my cell phone but my home phone. Also, I advised that calling me more than twice a day is harassment. I advised them to stop contacting me. The representative was very rude and hateful also. 
The numbers that they have called me fron is XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: ORG GC GP Buyer, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
GCS third party debt collector continues to harass me through email notifications ; I am liable for XXXX account previously closed, latter re-open in my name without my consent. XXXX   admitted due to there antiquated servers and networks resulted in data breach or cyber security attack. Kindly review the attachment of support of argument. 
GCS Services are culpable for damages under Section 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 53 ( b ), Standards for Safeguarding Customer Information ( Safeguards Rule ), 16 C.F.R. Part 314, pursuant to Sections 501-504 of the Gramm-Leach-Bliley Act ( GLB Act ), 15 U.S.C. 6801- 6804 and Section 19831985 for injunctive relief, restitution and other relief having violated FTC Act, 15 U.S.C. 45 ( a ) and Safeguards Rule 16 C.F.R. Part 314.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent in a dispute on XX/XX/XXXX and XX/XX/XXXX and I received a correspondence back from Transunion that my information was not acceptable. Well, I sent in a copy of my drivers license, social security card and my cable bill which is proof of residence. This is a stall tactic to buy more time and this is past the 45 days which was from my first dispute.

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 2017-10-13
Company: Southwest Credit Systems, L.P.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Southwest Credit System is trying to collect a debt that is passed the statue of limitations for Texas. The statue of limitations is 4 years and the debt is 4 years and 4 months old. By law, they can not collect on this account. I have mailed multiple letters to the company explaining this matter and received no response. In lieu of suing the company for violating the law, I want the company to : stop attempts for collecting the debt, remove their information from ALL credit profiles, and agree that they will not longer sell my account to another collection agency per Texas Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: ZIONS BANCORPORATION
State: NE
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
1. The National Bank of Arizona in XXXX, Arizona, froze my joint checking account for no logical or legal reason and held funds hostage that I needed to operate my sister 's estate following her death. They did not provide me online access to statements even though I am ALSO the probate-court-appointed personal representative for the estate. The result was my inability to pay the mortgage and other utilities and expenses ; late fees and attorney fees have been incurred. 
2. The National Bank of Arizona is demanding full payment for a home equity line of credit ( HELOC ) due to their own error in freezing the account the payments come from. 
3. The National Bank of Arizona is imposing a {$500.00} prepayment penalty when the HELOC is eventually paid, upon the sale of the property it is secured by, which is excessive and can be waived.

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 2016-12-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX of XXXX, we notified XXXX XXXX XXXX that we were abandoning our home due to job loss and relocation. We filed for Chpt XXXX bankruptcy. The bankruptcy was discharged in XXXX of XXXX. XXXX filed for exemption from the bankrupcy. We listed the property for sale after coming to agreement with XXXX for a short sale. We received a full cash offer for the home at the appraisal price. XXXX then sold the loan to Penny Mac. Since XXXX of this year we have provided paperwork to Penny Mac to again initiate and seek approval for the short sale to the same buyers. We are now receiving collection letters from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NJ - the letter asks for XXXX and says " Your creditor is XXXX XXXX XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following it

em ( s ) below to be errors. This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX   DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom

It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. This letter is a formal complaint that inaccura
te information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX   DEPTEDXXXX Equifax Information Services LLC XXXX. XXXX   XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item (

s ) below to be errors. This letter is a formal complaint that inaccurate information is list on my credit report. The below infor
mation in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX   DEPTEDXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing because I am a victim of Identity Theft and Equifax has neglected to remove the fraudulent XXXX XXXX account from my report. I have been trying to have this removed for a long time. I have mailed, faxed and attached the Federal Trade Commission report as requested. I have sent it in multiple times. Please remove this XXXX XXXX account from my report. Thank You. Best Wishes

Company response to consumer: Closed with explanation