BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-07
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:
XXXX is falsely reporting late payments on an installment account that was under the protection of the Cares ACT. I have letters from XXXX dated XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XX/XX/XXXX I even opened up XXXX complaints regarding the following issue. I had contacted XXXX requesting Covid relief for an installment loan that I currently have with them. I was offered a loan modification agreement to help ease the burden of the payment during the worldwide hardship we were all experiencing. I was assured that late payments would not be reported negatively nor that late fees would be accessed. I reported to XXXX that I did not live at an address they had on file and that I needed the documents to be mailed to my current address. I was told that the documents would in fact be sent to the address I provided yet I never received them. I stayed in contact with XXXX because the modification agreement never arrived and they were time-sensitive. I made this initial contact with an XXXX representative by the name XXXX XXXX XXXX assisted me in opening up XXXX cases regarding the late fees and payments that were on my account at the time. My credit report shows 120 days late and that is absolutely not true. I wrote to XXXX showing them I had made the payments for the months of XX/XX/XXXX and XX/XX/XXXX. In XXXX they did waiver the late fees and yet did not reverse the late payments. This is false and inaccurate reporting. In all of the correspondence from XXXX that I mention above, they apologize for the confusion and the lack of good customer service. I can provide copies of all the letters and statements to show that I was under the protection of the Covid relief and that it was XXXX that did not update my address and continues to ignore the proof I have sent them. The sad part is I have been with this financial institution since XXXX. I have never paid late or even given them any kind of issues. We were all impacted by the Pandemic and this is unacceptable. I have always paid for everything on time. I demand that my record be reported correctly and these late payments are deleted. I am prepared to take all necessary steps to correct this situation. It is impacting my life terribly. All calls are recorded. I demand the calls be pulled! I was promised and assured that the late payments would not be reported nor would late fees be accessed. I have a call log of when I called XXXX. I will gladly send the log to the Attorney Generals ' office or anyone office. This is impacting my life horribly.

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 2017-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
i have over XXXX hard inquires on my credit report, which i did n't give authorization. I have tried to dispute them with all XXXX credit bureau, i have also call have each company to get each of the inquiry removed, they told me i had to dispute them with the credit bureau which they will not remove them. They are impacting my XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
Equifax had a major security breach and my personal information was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: NV
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:
AS OF XX/XX/2022 - EXPERIAN CONTINUES TO DENY ANY ACCESS TO A LIVE TELEPHONE AGENT BASED IN THE USA - AT THE NUMBERS GIVEN TO BE CONTACTED TO THE CFPB. 

XXXX XXXX XXXX XXXX XXXX XXXX Other reason Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. 

EXPERIAN HAS A ROBO-BLOCKER ON THEIR NUMBER AND GIVE THE BOILER PLATE REASON AS STATED BELOW ON THE NOTED ACCOUNT THAT HAS BEEN DELETED FROM MY CREDIT REPORT FILE AS OF XXXX. 

EXPERIAN HAS SHOWN IT ITENDS TO VIOLATE MY FCRA AND FDCPA RIGHTS. I WILL BEGIN INTENSE AND AGRESSIVE LITIGATION AGAINST EXPERIAN - TO PROTECT MY CREDIT HEALTH AND EXPOSE THE ACTIONS OF EXPERIAN TO THE COURT TO RECIEVE FINANCIAL RELIEF. WHILE IT SEEMS THAT NOTIFICATION TO THE CFPB WOULD HAVE A POSITIVE EFFECT - THE LACK OF ENFORECEMENT OF THE FCRA AND FDCPA IN MY CASE HAS GIVEN ME NO OTHER OPTION THAT TO PURSUE AGRESSIVE LITIGATION AGAINST EXPERIAN FOR THEIR CONTINUED MIS-REPORTING AND VALIDATION OF PREDATORY LENDERS- WHO ARE THE DELETED DATA FURNISHERS. 

BECAUSE EXPERIAN HAS EXHAUSTED THEIR TIMEFRAME WITH ME- THIS NOTICE AND COMPLAINT TO THE CFPB SHALL SERVE AS PROOF ( EVIDENCE ) IN MY LITIGATION PROCEEDINGS AGAINST EXPERIAN TO RECIEVE RELIEF FROM THEIR ABUSIVE CREDIT REPORTING PRACTICES REGARDING CONSUMER DISPUTES. 

THANK YOU. 

XXXX XXXX XXXX - CLAIMANT - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Fay Servicing, LLC
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Fay Servicing and or XXXX XXXX, and or XXXX proceeded with foreclosure process in XXXX of XXXX. I was told today by a loan servicer from Fay servicing. XX/XX/XXXX His name is XXXX XXXX. I was not notified prior to this action taken. I paid the balance that was on my statement in XX/XX/XXXX. {$5600.00}. This would have closed the loan. Covid-19 happenend in XXXX I was furloughed from XX/XX/XXXX. I took it upon myself to train for a new career in the medical field in XX/XX/XXXX, So I could help with the pandemic, I took a significant decrease in income. All this time from XXXX XXXX XX/XX/XXXX. I lost my Mom due to Covid 19 in XX/XX/XXXX. She died without someone at her side, this has had a huge emotional impact on myself. On XX/XX/XXXX I lost my job, That I started in XX/XX/XXXX. In the middle of the pandemic. I decided to re enter the workforce. Even though I fight and live with XXXX every single day. Today XXXX XXXX told me " I have no options '' But to pay the balance or " ball park '' he states {$11000.00}. I told him that i was holding a mortgage statement from XX/XX/XXXX, that reflects a total balance of {$6300.00}. He then said he didn't have a payoff amount, on hand. I responded to a summons that I found in the dirt and snow last week after the snow melted, The State Marshall, just left it on my step, I was at work for a couple days, as it snowed, so I found it buried, What a way to serve a court summons. I did not sign for it. The marshall left it on my step and the blizzard proceeded to snow on the papers. They said that they do not have to follow the Covid 19 relief federal laws or bills. I was offered, no forbearance, no mitigation, nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I reviewed my credit report and seen items on my credit report that were not accurate and I did not recognize. I sent a letter as recommended to the bureau explaining all the items that I wanted to dispute on XX/XX/2021. I sent the letter to the credit bureau explaining which items that should be investigated. Based on the Federal Credit Reporting Act it says that the bureau should have completed their investigation or responded to me within 30 days and notify me of the results. Its been over 30 days and I recently checked my credit report again and it is still showing the same items I disputed. I also wrote a letter demanding them to respond because it is way beyond the 30 days and they should have responded already. At this point, I do not know what else to do because my disputes have been ignored and no investigation has taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Gla collections  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   This company has called me many many times, on my cell phone via automated message stating my full name and my doctor 's name. The above is only a handful of times I 've been called and it never stops. This is a very old debt and I do not wish to be called nor do I like my personal information be given out on my voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: Stanislaus Credit Control Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They never billed my insurance. They never even sent me a bill. Now they are trying to list as a collection and damage my credit. XXXX Stanislaus credit cntrl.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: NC
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: BB&T CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Applied for forbearance. Haven't missed a payment in XXXX years. During the process they hit me with a late payment on my credit. 
Lender is BB & T

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 2018-08-10
Company: Mid-Atlantic Consumer Services
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mid Atlantic Consumer Services LLC XXXX, NY XXXX phone XXXX has repeatedly harassed me and my family regarding a bad check that I did not write. They will not stop calling me and I have repeatedly advised them to stop. They have threatened me repeatedly and I have filed a complaint with the XXXX XXXX XXXX as well.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX / XXXX / {$270000.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors f
ailure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2018-08-10
Company: AMERICAN HONDA FINANCE CORP
State: NJ
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 am on my 3rd leasing contract with Honda Financial Services. I leased my XXXX vehicle in XX/XX/XXXX. During that time, I was over my mileage for my XXXX vehicle in which the vehicle was surrendered. I received a bill in XXXX in which I was advised to pay {$1300.00}. I also received a phone call from a gentlemen advising me to pay a little shy under {$170.00} per month to satisfy the past due amount. I explained to him it wasn't feasible for me to satisfy that amount since I'm already paying over {$300.00} for the newly leased vehicle. It was explained to the representative that I could pay {$50.00} per month at a minimum. I asked during the call if this account would affect my credit and was told no. I was also not told during the call that the monthly amount being requested was finalized and could not be changed. My initial payment on the XXXX vehicle was XX/XX/XXXX ( {$50.00} ),  XX/XX/XXXX ( {$100.00} ) and XX/XX/XXXX ( {$50.00} ). Today, XX/XX/XXXX, I received a call from Honda stating I am 117 days past due on my account and it needs to be resolved today before taken any further. The initial lady I spoke with call was disconnected so I had to call back. I ended up speaking with XXXX who informed me that the monthly amount I was told to pay was not a formal agreement however the amount is being reported on my account and is 117 days past due. I was asked to confirm an amount I'm comfortable with so the account didn't go any further. I asked how can the account go any further, when Honda has been accepting my monthly payments? I informed XXXX I can pay {$50.00} at a minimum per month. When the balance was split into about 22 months, the agreed amount calculated to {$50.00} and will be due on the XXXX of each month. So it's safe to say, the " formal agreement '' took place on XX/XX/XXXX which was 4 months from when the initial was generated. I would like to have the inquiries disputed that's being reported by Honda Financial Services to be investigated and be reversed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT.

I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX, 2017 credit reporting agency Equifax announced a major security breach in which personal data such as social security numbers, names, addressed, and credit history was leaked. According to Equifax 's own website my data was among the information that was leaked, but it is impossible to say for sure since Equifax failed to communicate adequately with people who were affected. Futhermore, they will not provide specific information on whether or not I was affected unless I agree to an arbitration clause ( which I did not ). Equifax knew of the data breach approximately one month before it was announced during which myself ( and countless others ) were at increased risk for becoming victims of identity theft and fraud. 

Equifax has not offered adequate solutions to this problem. Their offer of one year of identity monitoring is insufficient. The nature of the data that was leaked is such that lifelong credit monitoring will be necessary. This will come at significant cost to me since it will need to be arranged with all 3 credit reporting agencies. Equifax should be forced to cover the cost of a lifetime of credit monitoring and unlimited freezes/unfreezes with all 3 reporting agencies for anyone, including myself, whose data may have been released. 

Equifax failed to maintain adequate security measures. I would like to see legislation introduced to hold companies liable for data breaches with no limits on financial compensation to those people who are affected. Criminal charges should be pursued against those executives who divested their interests in Equifax before the breach was publicized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am listing all the unknown inquiries which I did not authorize below or where they came from someone is using my information. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
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: Credit inquiries on your report that you don't recognize

Complaint:
I am listing all the unknown inquiries which I did not authorize below or where they came from someone is using my information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX Transunion XXXX XXXX Transunion XXXX XXXX Transunion XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation