BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
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:
Theres an account on my credit file that I have no knowledge of thats causing my credit worthiness to have Negative history

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX : account balance XXXXXXXX XXXX : ACCOUNT BALANCE XXXX in accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights.

15 u.s.c 1661 section 602 A. States i have the right to privacy.

15 u.s.c 1661 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 2022-07-29
Company: EQUIFAX, INC.
State: OK
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 recently wrote a letter to Equifax, informing them of their delinquent investigation. I disputed the below account in XXXX of 2021. 
XXXX XXXX XXXX XXXX, XXXX MN XXXX Account # XXXX Amount {$840.00} I have multiple reports from XX/XX/2021 to XXXX that show that the investigation was not completed. I sent them a certified letter ( USPS tracking number XXXX ) dated XX/XX/XXXX informing them of the delinquent investigation, advising them to remove the account because per Federal regulations accounts must be investigated within 30 days. They did not do that. 

I followed up with an email to their XXXX office. I received an reply from their general customer service email that the information would not be removed. Please see all email attachments. Equifax did not complete the investigation in XXXX. My reports still say the " reinvestigation in process ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
I had my identity stolen and submitted a police report to the XXXX, XXXX and XXXX. I noticed there are hard inquiries on my reports that i did not authorized. If there are accounts attached to these inquiries they are fraudulent as well and also need removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AR
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:
I had my identity stolen and submitted a police report to the XXXX, XXXX and XXXX. I noticed there are hard inquiries on my reports that i did not authorized. If there are accounts attached to these inquiries they are fraudulent as well and also need removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: PA
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 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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

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

15 U.S.C. 1681 Section 604A, Section 2 : This section further states a consumer reporting agency can not furnish an 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 2022-12-06
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I recently completed a refinance/debt consolidation with Freedom Mortgage in 2022. After several hiccups, the process was in line to complete. I was told by Freedom Mortgage, there would be no cost to me except cost of appraisals. I refinanced with Freedom a year or XXXX ( XXXX ) earlier to get a lower interest rate and reduced monthly mortgage and because of previous refinancing, I had over {$7000.00} in escrow. When closing on the 2022 refinancing, Freedom took close to {$3800.00} from my escrow to close on my current refinancing in 2022. The {$3800.00} plus was listed as a credit on my forms and I was under the impression from the Freedom Rep, that credit would come to me. Freedom Mortgage never told me I would have to fund closing my loan, much less they would take money from my escrow to complete. I felt this was deliberately done to put a few thousands dollars back into the mortgage company. I've spoke with Freedom Mortgage reps several times expressing my disappointment, but to no resolve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2023-08-18
Company: General Motors Financial Company, Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
i lease a 2017  XXXX XXXX ; the lease time was up. I turn the car back in to GM Financials services as I was told to. They gave me papers showing that everything was alright and that I owed nothing. 
I recently received my credit report and noticed that GM Financial is stating that I owe {$2200.00}. 
When I turned the car back in I was given papers of inspection that everything was alright now they are stating that I owe {$2200.00}. This is wrong I do not owe them anything. This should be taken off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: MA
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:
Experian you have refused to verify this account 100 % as I have requested and disputed multiple times. I didnt ask Experian to update account XXXX. Experian you continue to respond to my request to verify this account 100 % with this account has been updated. I have sent three different certified mail letter with return receipt to Experian requesting for this account XXXX to be verified 100 %. This account to date XX/XX/2022 still has not been verified 100 % as requested. If Experian had verified this account XXXX as requested per the FCRA The Date Last Reported would have changed to the date you last investigated this account. The Date Last Reported has never changed since I have disputed this account multiple times over the past year and still remains the same date today XX/XX/2022. This doesnt follow Metro 2 code compliance. I have provided as proof, copies from three different months of consumer reports from Experian showing the Date Last Report shows the same date on all consumer reports and has not changed after any disputes or request which means that Experian did not investigate this account XXXX according to the FCRA requirements. I have provided copies of my three certified mail return receipt and three different letters from Experian stating that the account has been updated which was not my request to Experian. My request to Experian was simple verified this account 100 % which did not happen as of XX/XX/2022. DELETE this account XXXX because Experian did not preform a investigation which is a violation of the FCRA by not updating the Date Last Report as required according to the FCRA. Delete this account for FCRA violations not investigating because Date Last Reported did not change.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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 : Capital One Bank Account Number : XXXX In accordance to the Fair credit reporting act XXXX account # XXXX, has violated my rights. 15 U.S.C 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.

Capital one has two accounts on my report with two different balances with the same account number. They deleted the account from XXXX  but still havent removed it from the other reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX , XXXX , XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: In progress
Consumer complaint received 2022-08-23
Company: GATEWAY FIRST BANK
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am XXXX XXXX ( XXXX XXXX ), and I am submitting this complaint and there is no third party involved. 
I, XXXX, am a natural person consumer, and original creditor of an open-end credit plan was denied the right of disclosures to include the right of rescission as well as other violations of several sections of United States Code Title 15 chapter 41 consumer protection laws by Gateway Mortgage Group a division of Gateway First Bank , a debt collector, by unfair, deceptive, and abusive practices against me a consumer by misrepresentation of consumer credit transaction 15 U.S. Code 1641 ( c ) ; ( g ) ( 2 ) as unfair practice to deprive me consumer of informed use of credit and right of rescission of 15 USC 1635 ( a ). 

On XX/XX/2022 received complaint response from XXXX XXXX Financial Examiner/Analyst II Division of Consumer Finance Office of Financial Regulation for case number XXXX who advised to pursue remedy via Oklahoma State Banking Department who returned a response the day following the foreclosure sale as exhibited by the uploaded supporting documents. 

On XX/XX/2022 the debt collector initiated an illegal action following several complaints for violation of my right of rescission and violation of the privacy Act by furnishing without consent my personal health information to unaffiliated third parties in violation of 15 USC 1692c ( b ) and by implication of communication by attorney in violation of 15 U.S.C. 1692e ( 3 ) in dishonor my exercise of my right of rescission pursuant to 15 U.S. Code 1635 ( i ) ( 1 ) ( B ) as a result of 15 U.S.C. 1692e ( 2 ) ( A ) ; ( B ), unlawful conversion of my consumer credit transaction to foreclosure on my place of abode misclassified as real property by 15 U.S.C. 1692j ( a ) deceptive forms by summons IN THE CIRCUIT COURT OF THE SEVENTEENTH JUDICIAL CIRCUIT, IN AND FOR XXXX XXXX, FLORIDA CIVIL DIVISION CACE XXXX in effort to justify failure to comply with 15 U.S. Code 1635 ( i ) ( 1 ) ( B ) pursuant to 15 U.S.C. 1692e ( 1 ) ( 3 ) in the implication bonded attorney, uniform judge and magistrate, and process service badge. I have been harassed, humiliated and disgraced as a consumer by the imposition of abusive practices by debt collector fail to produce a rescission form in compliance to 15 U.S. Code 1635 ( a ) exempt from foreclosure/dispossession into the docket as evidence of compliance to validate U.S. Code 1692f ( 6 ) ( C ). Plaintiff was awarded final judgement, and certificate of sale was made to XXXX XXXX XXXX, on XX/XX/2022 despite fulfillment of statutory right of redemption by consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I hope this letter finds you well. I am writing to address a deeply concerning matter related to my credit report. I want to bring to your attention that an account with the account number XXXX XXXX, held by XXXX XXXX XXXX, has been unexpectedly reinserted onto my credit report. This act not only contradicts my previous efforts to rectify inaccuracies but also raises serious questions about compliance with the Fair Credit Reporting Act ( FCRA ). 

I would like to remind you that I previously contacted your agency in XXXX of 2023 to address this incident. In that letter, I outlined my concerns regarding the accuracy of the account and requested its removal. Despite my previous efforts, I have not yet received confirmation of the removal of this account from my credit report. 

It is important to highlight that the reinsertion of an item onto a credit report without prior written notice to the consumer is a direct violation of the FCRA, which mandates that such notification should be provided within five days of the reinsertion. The unexpected reappearance of this account without appropriate notice has left me deeply concerned about the integrity of my credit history. 

Given the circumstances, I am left with no choice but to demand the immediate deletion of the aforementioned account from my credit report. This action is not only necessary to rectify the FCRA violation but also to ensure the accuracy and completeness of my credit history. 

Additionally, I kindly request that you promptly provide me with an updated and revised copy of my credit report following the successful removal of this account. This will enable me to verify that the necessary corrections have been made. 

I must stress that the delay in addressing this matter is both disconcerting and disappointing. I urge you to take immediate action to rectify this situation, as I am prepared to assert my rights under the FCRA to ensure compliance with its provisions. 

Thank you for your immediate attention to this critical matter. It is my hope that your response will reflect your commitment to accurate and compliant credit reporting.

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 2023-08-20
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 am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my files. these issues have been reported multiple times an no action has been taken. these companies are not following consumer law an needs to be deleted an corrected asap. please delete the listed items on file.

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 2023-08-20
Company: GLA Collection Company, Inc.
State: VI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
As of today according to ( XXXX ) XXXX XXXX XXXX XXXX website my account is {$0.00} balance due. 

This company needs to be investigated they are ripping off every student and parent monthly. They knows of your exit months before you become a tenant so they can set up an in-house inspection after you do you cleaning as you turn in your keys. Cause XXXX other tenants are still living in the apartment as you move out. They take your keys and forget to log it, do inspection on or about a week and 3 days after you exit leaving the other XXXX tenants in the apartment. Then take pictures of how you didnt leave the apartment and said you are responsible for it cause they dont know if its the other XXXX live in tenants who made the mess or you. They also keeps your deposit fee and still charges you a cleaning fee. When you ask them why they didnt do inspection as key is turned in they said there is too many tenants departing at the same time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
IVE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED CREDIT CARDS, UTILITY, AND COLLECTION ACCOUNTS AS WELL AS ADDRESSES, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP

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 2022-09-26
Company: Experian Information Solutions Inc.
State: AZ
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:
Today XX/XX/26 I got an email from XXXX  XXXX XXXX saying they were trying to confirm my email address. Shortly after I received an alert that an inquiry was made from XXXX  XXXX XXXX to check my credit. I have never, and have no plans to use XXXX  XXXX XXXX and have never contacted them. Someone is trying to setup an account with my 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