BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
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 was looking over my credit report and saw I had some inquiries that wasnt mine. I didnt give these company permission to run my credit XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX on XXXX XXXXXXXX XXXX on XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXI also have a fraud account on my credit report essential lending I account number XXXX this is not my account please delete immediately

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 2022-09-23
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX has agreed to remove the late payment and it will reflect on my credit report within 15 days. It was removed immediately the next day from all XXXX credit bureaus after they agreed. But then the late payment reappeared in a few days. This is causing a major dip and confusion on my credit report and goes against terms. Today makes 15 days and the late payment is still on my 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 2022-12-04
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an email from XXXX XXXX informing me of a Hard Enquiry. When i logged in to my report, it stated I had a hard enquiry from TD BANK USA/TARGET. 

I never applied for such a card. I called XXXX and they said I would have to wait a few days for it to show up in the " New Accounts Department ". 

I then called TD BANK, but it is Sunday so I have to call back during business hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Wrong names and addresses on my account. Account showing closed accounts with balances. Reporting collections with past due balances that are incorrect.

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 2022-12-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Wells Fargo Over charged for vehicle loans

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 2022-09-23
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SLS is continuing its pattern of refusing to abide by the federal statutes and regulations relating to PMI, with this case applying to our home located in XXXX, Florida. We have invoked our right under the Homeowners Protection Act to have an appraisal done on our home due to substantial improvements to cancel the existing Single Premium PMI policy. Even after two requests, SLS refused to initiate the process to remove this PMI policy, which is currently in effect. I am not sure if they are so negligent regarding the administration of the Homeowners Protection Act that they do not understand its basic provisions, or if this is purposefully done. 
I have attached : ( 1 ) our initial request on XX/XX/2022 to have the PMI removed based on substantial improvements and their denial to initiate the process to have the PMI removed on XX/XX/2022. They stated there is no PMI " being paid '' but that was not what the request was based on. We want a proportional refund because the PMI is no longer needed ; ( 2 ) our second request on XX/XX/2022 further invoking our right under the Homeowners Protection Act to have the PMI removed and proportionally refunded based on the substantial improvements. Their response in this case was simply egregious. They stated that the only way we could have the PMI removed was via a refund. I am not sure how many people they have tricked into refinancing their loan just to have the PMI removed ; ( 3 ) Details about the existing PMI policy with XXXX from our SLS portal ; and ( 4 ) The XXXX Refund Schedule.

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 2022-12-04
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization-used my personal identifying information to apply for goods, services, or money, and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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:
XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: JPMORGAN CHASE & CO.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have an auto loan with Chase Bank. 

On XXXX XXXX my payoff check was delivered to Chase Bank per their instructions in the amount of {$51000.00}. 

As of XXXX XXXX they still have not cashed or processed the payment and keep instructing me not to put a stop payment on the check. Further, they can not confirm if they even have my payment. 

It has been XXXX weeks of the same excuses. I just want to pay my loan off early. I have had to overpay the loan now to ensure no late payments. 

I have never been late or delayed paying my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: NY
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:
Hi i sent a letter on XX/XX/22 to dispute a account on my consumer report that is not accurate. XXXX got the letter on XX/XX/22, XXXX XXXX got the letter XX/XX/22 and equifax got the letter XX/XX/22. I also sent a copy or driver license and a bill showing my address. They sent me a letter stating that the account been verified. UNDER 15 USC 1681i ( c ) ( 5 ) -Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Allen & Withrow
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX i received a notice via mail from Allen & Withrow, Attorneys at Law that I owed a debt of {XXXX XXXX XXXX XXXX  They presented incorrect information on the notice. The letter date they have listed is XX/XX/2022. They also stated that I had to write to them by XXXX otherwise they would assume the debt is valid and continue their collection efforts. It is very concerning that I am just now receiving this notice on XXXX after the date that they said I needed to respond. I feel like they purposely delayed sending this until well after XXXX so they could make it appear that I did not respond within that timeframe so they could continue with their collection efforts. The letter we received on XXXX is the first and only time we have heard from this law office. The reference number listed on the letter is XXXX. The XXXXXXXX XXXX XXXX XXXX XXXX. I have attached the letter that was sent as well as confirmation from USPS on when the letter was out for delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This happened XX/XX/2022, I was selling an item in XXXX XXXX & was scammed by the customer who was buying the item from XXXX, saying that my account needed to be a business account in order to make the transaction, they provided bank statements & emails that looked real to make it seem it was the bank, so {$250.00} were sent to the customer by me as per the emails I received from my bank but wasnt my bank, this all seemed so real that I did think it was my bank making these transactions. I need help getting back the {$250.00} as my bank has done nothing to help me.

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 2022-12-04
Company: General Motors Financial Company, Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
attached to every monthly billing statement is a payable coupon. If filled out correctly and signed by law it is considered a negotiable instrument. I submitted my remittance payment and was told it wasn't accepted for value and that I have to submit cash which is fraud and coerecsion. According to XXXX XXXX and emergency billing act the remittance is completely legal and should be accepted for value.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
according the Fair Credit reporting Act and XXXX accounts : 1. XXXX  XXXX Account # XXXX 2.XXXX  XXXX XXXX Account XXXX XXXX 3. XXXX XXXX XXXX Account # XXXX 4. U.S bankruptcy Court Account # XXXX is in violation of my rights. 

under false pretenses shall be fine under title of 18, imprisioned for not more than 2 years or both. " 15 U.S.C. 1681q See the FCRA specifically provides ( 1 ) the consumer report for a purpose which the consumer report is authorized to be furnished under this section ( 2 ) the purpose is certified in accordance with section 1681e of this title by a protective user of the report through general or specific certification. As a result of you unlawfully obtaining my consumer report without permissible purpose you are liable to me ( 1 ) actual damages or statutory damages up to {$1000.00}, ( 2 ) punitive damages, and ( 3 ) cost of litigation together with attorneys fee. 15 U.S.C. 1681n ( a ).

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 2022-12-04
Company: Resurgent Capital Services L.P.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Reporting these collections on my credit report, which is considered to be a collection activity LVNV FUNDING LLC Is reporting and trying to collect on accounts that are closed and are paid in full. LVNV FUNDING LLC continues to report on these tradelines and is in violation of the FCRA, Federal laws and FTC laws and Guidelines. Which are The Fair Debt Collection Practices Act ( FDCPA ) this a debt collector is not allowed and is using unfair practices in trying to collect a debt which is closed and paid in full. Reporting inaccurate data or false data is also a violation of the FCRA. Additionally, any reporting of this debt as valid or true to the credit bureaus when in fact is a false and inaccurate is a violation of the Fair Credit Reporting Act, which allows me to seek damages from a collection agent in this case LVNV FUNDING LLC. As Such, this unauthorized public record information needs LVNV FUNDING LLC needs to delete this tradeline. Non-compliance with FCRA, FTC and Federal laws is also be construed as an absolute waiver of all claims to enforce these debts against me and your implied agreement to compensate me for court costs and attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I had my identity stolen, they took EVERYTHING from me they even took over.credit record..I can't even get my own records, It feels like I'm being XXXX over a over again XXXX can't afford a lawyer g

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 2022-07-04
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:
In accordance with the Fair Credit Reporting Act XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX  Account # : XXXXXXXX XXXX Account XXXX : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # XXXX XXXXXXXX XXXX Account # : 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 : Also 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 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Over last 6 months with three letters, I had requested these nine accounts to be VALIDATED. Instead the agency comes back with it verified which does not answer my dispute of validation. This is my consumer right to request how you obtained the information in the investigation. You are to get a contract by the company with my original signature to validate these accounts. Since you refused to honor my request, your violating my rights as a consumer. Furthermore looking at these accounts, they are invalid in reporting which again violates my rights. They are reporting XXXX ( no lates ) but yet a charged off account. Three letters and not responding to my requests, I am requesting a immediate deletion. These companies further more no longer own these accounts so I would no longer be liable to them. 
Attached are the accounts in question on last correspondence that I sent to agency.

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 2022-12-04
Company: OCEANSIDE MORTGAGE COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XXXX I challenged OCEANSIDE MORTGAGE COMPANY the validation, and lack of full disclosure, according to 15 usc 1631 ( a ) also 16 cfr 433.2 Preservation of consumers claims and defenses, in ten point bold face print, now their violating my rights again according to 12 cfr part 1016, privacy of Consumer Financial Information ( Regulation P ) by selling contract after questioning OCEANSIDE MORTGAGE COMPANY. Deliberately defrauding me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: WELLS FARGO & COMPANY
State: NY
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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report .I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. These transactions are not related to any transactions previously made by me the consumer. 

Wells Fargo credit card inquiry dated XX/XX/XXXX Wells Fargo credit card inquiry dated XX/XX/XXXX Please remove these inaccurate inquiries off my 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 2022-12-04
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with mr cooper. I have asked both by phone and email for the pmi on the loan to be dropped they have refused. Different. Each time I speak to them on the phone I get different answers from different agent some say my pmi is for the life of the loan. Other say it not XXXX on my research pmi should be dropped once there is enough equity in the home. 
Pls help resolved this for me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: NY
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:
Equifax is showing a series of late payments for my XXXX XXXX XXXX Account during COVID-19, 1st off, I was never late during these months, the credit report on XX/XX/2022 and XX/XX/2022, show different data, almost like they are randomly putting days late. 
How can you go right to 60 or 90 days without a 30 day late? 
I have enclosed both reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: CAVALRY INVESTMENTS, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There was some credit card transaction which occurred on the XXXX credit account in XX/XX/2021 which were not authorized my me. I have contacted XXXX at the time of the transaction was known to me. It was rectified and settled and removed from my credit account.. 
Now Calvary portfolio credit service debt collection agency have reported the debt back onto my credit account. 
Please remove account and account debt off my credit account..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
According to FCRA, Section 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ), and 611 ( 5 ) ( A ), you are required by law to have verifiable proof of any account you list on a credit report, otherwise, anyone with the ability to report to you could fax, mail or email in a fraudulent account. I never received any verifiable proof and the account still remains on my account.

Company response to consumer: Closed with explanation