BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-28
Company: Experian Information Solutions 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:
EXPERIAN I DO NOT UNDERSTAND HOW YOU CAN NOT GET THIS MATTER CORRECTED. THOSE ACCOUNTS DO NOT BELONG TO ME AND SINCE YOU HAVE STATED YOU CONFIRMED WITH THE DATA FURNISHER I NEED TO SEE THIS PROOF IN FORM OF A SIGNED DOCUMENT WITH MY SIGNATURE ON IT IN FACT I DEMAND TO SEE IT. IT NEEDS TO BE UPLOADED HERE TO MY PORTAL. IF YOU CAN NOT PROVIDE ME WITH THIS IN 30DAYS FOR EACH ACCOUNT THEN YOU MUST DELETE THOSE ACCOUNTS FROM MY REPORT! I CAN NO LONGER WASTE MY TIME WITH THIS MATTER-THESE ARE THE ACCOUNTS THAT NEED TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX KEEP IN MIND THE FAIR CREDIT REPORTING ACT SECTION 609 ( a ) ( 1 ) ( A ) , PLUS UNDER THE FCRA UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME WITH A COPY OF VERIFIABLE PROOF!

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 2021-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
On XX/XX/XXXX i contacted Capital One to update my payment history. Capital One is reporting inaccurate and incomplete credit information. The credit report from all three bureaus show a history of payment or payments being made late that are not proven and are incorrect. Furthermore, The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By Capital One reporting inaccurate information without my written consent first, they are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ; Pursuant to all the facts I stated above, Ive forwarded written instructions as to what I, a consumer in fact, want removed from the my credit report as well as an updated payment history. I am demanding Deletion of inaccurate late payment history from all consumer reports and a Change of all payment history to paid as agreed or on-time I also DO NOT authorize any automated response or e- Oscar verification method.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
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:
Account Name Account Number XXXX XXXX XXXX Account Name Account Number XXXX XXXX XXXX Account Name Account Number XXXX XXXX XXXX Account Name Account Number XXXX XXXX XXXX Account Name Account NumbeXXXX XXXX XXXX XXXX  XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # 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

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 2018-03-23
Company: BB&T CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On Monday XX/XX/XXXX I noticied that I received an additional overdraft fee for a transaction that was conducted on the XXXX. When I spoke with the rep she stated that it was a result of processing on the merchants end. At that time I was in the negative and was not notified that I would need to bring my account positive within a certain time frame. On Wednesday the XXXX I set up an ACH debit to come out of my account. When I checked the mobile app and ATM on Thursday the item was not pending. When I checked my account on Friday the item had posted and I was assessed a overdraft fee. Had the item been shown as pending or I was notified that the item would be coming in I could have made the account positive to avoid fees. I was also assessed a fee for my account being OD for 7 days. Had I been notified that this would occur then I would have again attempted to bring the account back positive

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
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:
I have notified the consumer reporting agencies XXXX, transunion, and XXXX of fraudulent accounts on my credit report resulting from identity theft and a data breach. pursuant to 15 U.S. Code 1681c2 ( section 605B ) which states that these accounts must be removed within 4 business days of date of receipt.They are still on my report and this affecting my livelihood. pursuant to 15 U.S. Code 1681c2 authority to rescind and/or decline ONLY applies if : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
This request was not given on the substance of any reason to decline or rescind as stated in 15 U.S. Code 1681c2. Also keep in mind that this request does not meet the requirements for you to decline or rescind.

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 2022-06-14
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 is missing that should be on the report

Complaint:
In a routine check of my Equifax credit report, I noticed that none of my current and open credit accounts were being reported. Subsequently, my Equifax credit score is significantly lower than my XXXX XXXX XXXX scores. On XX/XX/2022, I mailed a certified letter to Equifax, alerting them to the issue. The letter was accepted and signed on XX/XX/2022. After more than 30 days without a response, I called Equifax on XX/XX/2022. The customer service representative informed me that they had not received the letter. I am unable to apply for an auto loan because of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: CHECK INTO CASH INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have been getting phone calls from ( XXXX ) XXXX for the last past month. Every day 4 to 5 times a day. This company said that I owe a payday loan that went into collections. I ask for proof in writing and they avoid the question. I spoke to a woman she want give me her name. She said the Local Police Department has been notified and they will be at my door to arrest me if I do n't pay. In XXXX 2010 I did get a Check into cash loan, but I paid it off. Now they are calling my place of employment harassing them about this loan. I called and ask them to stop calling. This man answered the phone saying that he was the manager. He would n't give me his name. He stated he will continue to call my cell number and my place of employment until I pay {$850.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I applied for credit with a company ans was told that I did n't have credit. I proceeded to pull my own credit with Equifax monitoring service. To only discover that they have fraudulently removed credit lines from my report without my permission of a dispute and without the creditors permission. They also put derogatory information that was disputed and found not acceptable off my credit were put back on. They have updates on previous credit reports but as of XXXX XXXX and XXXX XXXX my report shows no updates as of 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Real Time Group, Inc.
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1. Please EXPLAIN interest accrual amount and late charge accrual amount as of XX/XX/XXXX. These amounts will be from XX/XX/XXXX until XX/XX/XXXX. You have provided interest accrual amount of {$34000.00} as of XX/XX/XXXX but DID NOT EXPLAIN. You did not provide late charge accrual amount as of XX/XX/XXXX so please provide that and also explain how you derived at that amount? 

2. Please SEND a copy/copies of any INTENT TO ACCELERATE correspondence in your possesssion from XXXX  or any acceleration that RTR initiated when servicing rights to this loan were transferred to RTR on XX/XX/XXXX or after RTR  became servicer? 

3. Please provide the copies of the certification of the original XXXX XXXX XXXX  which contains original signatures of the certifying entity, the original seal and the notary signature. RTR should have these in their possession when servicing rights to this loan were trasferred from XXXX  to RTR. RTR has obligation to provide the requested copies and its prerequisite before foreclosure can be commenced.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Exeter Finance Corp.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account EXETER FINANCE LLC 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 an account without written instructions I am well aware of my rights as a consumer. This account is only reflecting on my XXXX credit report. 
The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding collection items that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: Credit Central Holdings, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I work in collections and all of my calls are recorded. I have asked the creditor, several times, on a recorded line, NOT to contact my job. They said ok and continued to contact me at work, after I requested that they did not. They have been to my house and have left letters. The debt owed is less than {$400.00}. They call me back to back. Sometimes 3x in less than an hour. And they call, after a voicemail has already been left. These are all violations of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
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: 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 2018-09-17
Company: CCS Financial Services, Inc.
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:
Sent letter ( attached ) XX/XX/2018 No response or back up from debt reporting on my credit report XX/XX/2018 - Made a complaint to CFPB - CCS claims that they have no information and did not address - the debt which is reporting. Claims they are not handling. 

They reported CCS same company that claims they are not handling on my credit report once again - XX/XX/18 I have attached a picture of the line item on my credit report and the Derogatory contact info from my credit report. This is where the letter was sent, in XXXX the same information sent in XX/XX/2018 etc .... 

If CCS can not provide back up on the debt they are reporting it needs to be removed from all credit reports immediately. I feel I have done everything I can do to verify the debt. When you call all that is stated is balance due and I should know what the debt is for. it is my debt. Which is odd.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 US Dept ED Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Credit Account # XXXX, XXXX 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

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 2022-06-14
Company: EQUIFAX, INC.
State: GA
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, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX ACCOUNTS : -XXXXXXXX XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX  XXXX XXXX -XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: Experian Information Solutions Inc.
State: AZ
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:
on XX/XX/XXXX I sent EXPERIAN a certified letter and they received on XX/XX/XXXX requesting that a tax lien listed on my credit bureau by XXXX County be investigated and verified. I got an unsatisfactory response to my request on XX/XX/XXXX BY EMAIL which is well beyond the 30 days allotted time to respond. 

I also mentioned that automated response or XXXX verification is unacceptable. I am requesting a re-investigation AND their Method of Verification. 
Additionally, I asked to please be provide the name, address, and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I also reminded them that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XX/XX/XXXX ), they may be liable for their willful non-compliance. None of this was acknowledged or complied with which is a direct violation of the FCRA. I currently have a total personal data security freeze with XXXX, XXXX  XXXX and 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 2018-12-02
Company: Freedom Mortgage Company
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage on the payment that reached 20 % of original appraisal value was sold to Freedom Mortgage. OnXX/XX/XXXX I wrote Freedom Mortgage and requested PMI be removed. They exercised their right to force a new appraisal ( even though  home values have went up 20 % ) and due to the cost of appraisal wiping out the difference I decided to wait until the 22 % mark was reached where they are required by law to drop PMI. 

They have not removed PMI charges against me even though I have exceeded 22 % of original appraisal value. Once they charged me PMI after exceeding 22 % I wrote them again on XX/XX/XXXX informing them of the homeowners protection act and demanding PMI be removed going forward. I received a generic canned response and on XX/XX/XXXX they again charged me PMI. 

I have never been late on a payment in fact I have made additional principal payments each month. My current loan remaining is XXXX ( not including the payment today. ) with an original appraisal value of XXXX. According to the Homeowners protection act they are required to utilize the original appraisal value and are required to remove PMI at 22 %.

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 2017-07-21
Company: ClearPath Lending
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/17 I emailed XXXX from Clear Path Lending to cancel the refinance. On XX/XX/ I received a call from XXXX XXXX to reconsider. I was emailed a 6-page proposal. I emailed back and canceled. XXXX XXXX called me back to ask me to reconsider and I said that I did not like this refinance because Clear Path Lending has raised my mortgage from {$400000.00} to {$410000.00}. I explained that was too high and asked why I am being charged {$13000.00} for a re-fi and thought that was too much. So, I said cancel. After I said that over the phone, a XXXX XXXX XXXX from Clear Path Lending came on the line to convince me that I would receive around $ 5000/6000 back. When he stated that I decided to go ahead with the re-fi. I called on XX/XX/17 and XXXX answered the phone and I asked when will I receive the $ 5000/6000. I asked to speak to XXXX XXXX. He said that XXXX was no longer working there. I asked about the money I was to receive and he stated to me where do you think that money is coming from. I told him about our conversation on XX/XX/17. He said he would call me back. He didnt call me. I called again today XX/XX/17 and told me he would call me back. He didnt. I never received the {$6000.00}. I would have never gone with this plan. I was tempted by the cash back. Also sent to BBB & FCC.

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 monetary relief