BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-23
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, XXXX - Account Number : 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I have sent numerous letters via Mail and have not had a response back yet. 

I have attached a screen shot of the account that is reporting inaccuracies and I have went the extra mile to circle the errors that's hurting my report. 

I have included my government issued Id and proof of address for verification because I do not want to delay this issue any more than it has by being ignore by the credit reporting agencies

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 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, XXXX - Account Number : 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I have sent numerous letters via Mail and have not had a response back yet. 

I have attached a screen shot of the account that is reporting inaccuracies and I have went the extra mile to circle the errors that's hurting my report. 

I have included my government issued Id and proof of address for verification because I do not want to delay this issue any more than it has by being ignore by the credit reporting agencies

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 2020-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Year 2015 while taking engagement pictures, our car was vandalized and all personal items were stolen including car keys, please consider photos were being taken outdoors for our wedding and we could not have any of our personal items on hand. A bystander alerted us that are car had been broken into. Police were immediately contacted and a report was made. Quickly, I became a victim of fraud. 
All banks, credit cards were contacted. The occurrence became to spiral out of control as my perpetrators had access to all mail box keys and began opening new accounts, conducting unauthorized transactions, forging signatures. I was continually being taunted. 
Bank of America has stated I am held accountable for not keeping my personal items safe and reported fraud on my credit report and has continued to prevent me from having accounts.

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 2022-11-08
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: Account information incorrect

Complaint:
There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 


XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting this complaint again to inform you I was the victim of identity theft. Per FCRA section 605b, you are required to remove/block the items listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items that I want to remove : XXXX XXXX XXXXXXXX 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 XXXXXX/XX/2020.

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 2019-12-21
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Called and advised the account was past due and asked how I was going to handle this. My wife had already let them know that we were aware it was past due and we would handle it as soon as possible as we had a family emergency. So when I spoke with them I told the agent i would not be handling this at this time. She then proceeded to tell me fine she will send a tow truck to my home to get the vehicle. So I felt threatened to setup a payment I can't afford at this time due to our family emergency. My wife called them back later to see if the vehicle was out for repossession and it's not even assigned for repossession at this time it is only 37 days past due. They should never have threatened to send a tow truck to my home if I'm not even assigned for repossession.

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 2015-03-19
Company: Northland Group Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Call from XXXX XXXX XXXX XXXX XXXX XXXX seeking XXXX XXXX. XXXX purchased bad debt or bad contact information from Northland Group. Call from ( XXXX ) XXXX, I explained debt is not mine. Lady got rude when I refused to answer her questions about me. Told her do not call again. Subsequently received an automated call from ( XXXX ) XXXX seeking XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I scheduled a payment of {$160.00} to come out of my XXXX XXXX XXXX Checking account on XX/XX/XXXX. It cleared from my account on XX/XX/XXXX. Today is XX/XX/XXXX, and this amount was still not deducted as a payment from my credit balance. I have made other payments in the meantime that have gone through and been deducted. This is the only payment that has been affected. I called and submitted a complaint but the company told me that they can see I made the payment. The balance they told me I owe still does not reflect this payment. Their solution was to wait until my next bill to see if it shows up. I am very upset that this was not solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Statebridge Company
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
NOTICE OF ERROR/REQUEST FOR INFORMATION Initially I requested a loan pay-off for my investment property. 
I made the request on XX/XX/2022. To date, I have not received a loan pay-off. Under 15 U.S.C. 1639g, A creditor or servicer of a home loan shall send an accurate payoff balance within a reasonable time, but in no case more than 7 business days, after the receipt of a written request for such balance from or on behalf of the borrower. 
I'd planned to refinance this loan but this company 's ( Statebridge ) negligence in furnishing the requested documents has caused me a delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
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: Investigation took more than 30 days

Complaint:
I sent the collection agency a complaint letter  XXXX   XXXX ,2017 is the day the credit reporting agency received the letter to investigate a collection account on my credit report named  XXXX   XXXX   XXXX   XXXX  that is wrongfully being reported. It has been more than 30 days and I still have n't received a copy of the results. The file I submitted is a tracking for the letters sent.

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 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 XXXX US DEPT ED 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 XXXXXXXX, 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 2022-07-23
Company: Experian Information Solutions Inc.
State: OH
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # : XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX ( Original Creditor : 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 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 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 2015-03-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a XXXX year old female, retired. Due to decreased income and health concerns, it became increasingly difficult for me to make my mortgage payments. After almost two years of applying and re-applying with XXXX XXXX XXXX, I entered a trial modification period and received my permanent loan modification documents in XX/XX/XXXX My loan was purchased by Carrington Mortgage company, and I began making regular payments to them from XX/XX/XXXX - XX/XX/XXXX. In XX/XX/XXXX I received a Foreclosure Intent letter from Carrington. I was informed that I do not qualify for a HAMP loan modification. I was told that I could re-apply for a non-HAMP modification. I can not begin to tell you the stress that this has caused me. It has affected my XXXX health. I feel like I have gotten the run-around and do not trust anyone at this point. My mortgage payments for the past 9 months have been drafted from my checking account, but they have NOT been applied to my mortgage. This is disconcerting. In addition, I am continuing to accrue late fees and penalties on my mortgage balance. I am unclear as to my rights at this point. I am worried that I will lose my " dream '' home that I built and had planned on staying in until my passing. I am hoping that you can help me. 
Sincerely, Concerned Homeowner

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
My bank, XXXX, mailed a payment on XX/XX/XXXX with a due date for the transaction on the XX/XX/XXXX. Capital One reports they received it on XX/XX/XXXX ( unable to provide evidence of this ) and is charging $ XXXX of dollars of late fees and interest despite the fact that the check would have paid in full our charges. I contacted XXXX and they confirm that it should have arrived in plenty of time but they do not receive a receipt when delivered. 

I feel helpless here and see the news stating that credit cards are charging billions of dollars in late fees and interest to people like me and I have no capability to protect myself from this. 

What can I do to get my money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting this complaint again to inform you I was the victim of identity theft. Per FCRA section 605b, you are required to remove/block the items listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items that I want to remove : XXXX XXXX XXXXXXXX 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 XXXXXX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: ALTERRA GROUP, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan from Alterra Home Loans at XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX, Nevada XXXX on XX/XX/XXXX. The loan took over 8 weeks to close for no good reason. The contract had to be extended 3 times as the lender was unable to close on time. We should have closed on XX/XX/XXXX, but the close did n't happen until XX/XX/XXXX. This loan was contingent on the property 's appraised value. The lender received the contract on XX/XX/XXXX and did not order the appraisal until XX/XX/XXXX. Every time the lender requested documents from me, I provided them within 48-hours or less. The lender has yet to explain why it took them so long to close the loan. As a result of the lender not being able to close until after XX/XX/XXXX, I was charged pro-rated rent charges in the amount of XXXX. I had a 6-month rental agreement with the seller/landlord of the property. The rental agreement expired on XX/XX/XXXX. Had the loan closed on time, I would not have had to pay the XXXX. Per my closing documents, the lender paid the seller XXXX to compensate her for the delay in closing the loan on time. I have sent them 6 request to compensate me as well. I was their customer, not the seller. The only response to my requests came from XXXX XXXX via email. On XX/XX/XXXX, she wrote in an email, " I am out of town. I will return tomorrow and I will speak to the manager regarding your request. '' To date, she has not gotten back to me, nor has she responded to my follow up emails. I advised her that if I did n't get a response from her or the manager XXXX XXXX by XX/XX/XXXX, I would be filing a complaint with CFPB. At the day of the closing, I learned the lender had charged me XXXX to reduce my interest rate. They never said anything about this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
So I received a notice from CFPB that the XXXX agencies were working on my issue still and would not get an answer for up to XXXX days from the XXXX agencies who would be checking into the my concerns with a collection company called XXXX XXXX and XXXX Bank. Since my response and uploading documents proving I did dispute with the XXXX credit agencies of which the say they had no record of, I have recently received these additional XXXX response letters from XXXX of which I think is somewhat of a retaliation to my original complaints regarding their incorrect reporting. You will see that in the body of the letters to the upper right hand side ( circled, arrow & stars ), they are still unwilling to change the balance of debt to read " {$0.00} '' and keep reporting that I owe them all this money. There should be not indication of any balance due them or XXXX Bank anymore on any correspondence or public records since all the accounts I previously had with XXXX had already been discharged between XXXX & XXXX before XXXX XXXX sold their business accounts out to XXXX Bank. XXXX who is now working with XXXX XXXX both are to still trying to collect on these funds from me and reporting this on all XXXX credit reports as of XXXX/XXXX/2015. I need for all the accounts under both XXXX and XXXX Bank to be totally erased from all XXXX credit reporting agencies ( XXXX, Transunion and XXXX ). I have attached below these letters I am referring to. I am sure there will be another letter on its way because there was a total of XXXX accounts with XXXX XXXX to include XXXX XXXX not included.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
NOTICE OF BILLING ERROR. NOTICE OF VIOLATION OF PRIVACY. NOTICE OF IDENTITY THEFT. NOTICE OF FRAUD. Capital one bank sold consumers non public personal information to the credit reporting agencies. Pursuant to 15 usc 6802 obligations with respect to disclosures of personal information covers disclosures that needs to be disclosed conspicuously to inform consumer and not force undue influence by way of CAPITAL ONE BANKS willful noncompliance to the laws and disregard of consumers privacy rights. unalienable XXXX given rights that the consumer will not waiver. Consumer was never given the proper disclosures required to make the proper decisions based on family personal household needs. XXXX breached its obligations to report fair and accurately on the consumers behalf by not performing its grave responsibility and being willfully negligent in acquiring the proper disclosures necessary to furnish such information. No written consent was giving to CAPITAL ONE BANK or XXXX. These violations to the consumer has caused severe emotional and financial damages that has hindered my natural progression and caused a restraint in trade and commerce pursuant to 15 usc 1. Show proof and prove that you have consumers written consent to steal and damage consumers life and take away liberties granted from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is a unknown account and charge listed which looks very old also. No verification has ever been given. I have disputed this with no outcome and requested validation with nothing given. Please help assist me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief