BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: EQUIFAX, 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:
I reviewed my Equifax credit report and noticed that I had 5 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX XXXX XXXX Account number XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-02-08
Company: The Bureaus, Inc.
State: NJ
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:
CFPB - Please review this for all consumers who are disputing collection accounts on credit reports as this issue is systematic - and against FCRA This is my dispute. 

There are 2 accounts listed in my report, and across all CRA 's.

1. There is no Tradeline on my credit report, and from XXXX where an account number, or a balance matches what is being reported by The Bureaus 2. I do not believe these accounts are mine. 
3. Then, as a Debt Collector ( DC ), Account Numbers/Original Creditors information must be maintained ( Metro2 - K1 Segment ) and it is not 4. The Date if First Delinquency listed, is not/ can not be true/accurate and for both accounts is listed - and is against FCRA rules - and then is disputed The valid XXXX  XXXX ( as the original credit grantor ) tradelines, have a DOFD that is not close to what you have, and date you list is inaccurate and against FCRA Then, the Bureaus is reporting data on my report that is wholly inaccurate, incomplete and against FCRA Where these accounts exists - at a CRA XXXX, XXXX and XXXX the following, is occurring : The Bureaus, a Debt Collector, is knowingly sending data to CRA 's , as if they are a Credit Grantor and with data attributes that Metro2 specifies should not be sent when not a credit grantor.

Metro2 File Standards ( industry norm for acceptiXXXX data at the CRA XXXX is followed, XXXX XXXX are required to send data in their file to a CRA - Header ( Who is reporting, including ID or the data furnisher ) Trailer ( File counts of records sent/activity ) Base Segment - Consumer detail, tradeline info where limited attributes are expected to be sent ( values are not defaulted ) to a CRA XXXX Segment ( Original Creditor/Creditor Classification Code or Client Name/Client Type - Account Number ) ******Many fields are not expected to be sent - see attachment of Metro2 DC do not send, and The Bureaus is sending them.

The Metro2 file - does not default There are no terms, no contract with or pay history expected of and from you. 

No contract exists with a debt collector. 
The Original Creditor - should not, and is not expected to be in a historical info ( free form text field ) This tradeline - collection account, fails to even show up in the COLLECTION SECTION of raw data reports directly from the CRA - because, it is mimicking the data/file details of an XXXX  account. 


This account presents itself as if they are a lender. As if we have a contract, payments due every month, and i have been in a pay and balance history of collections Both accounts are inaccurate, please resolve them - or delete. 

This also serves as a DO NOT CONTACT request, and federal mandates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agncies are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the files : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$0.00}. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

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 2023-06-05
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I discussed with a claims adjuster from Wells Fargo Bank ( NA ) Arizona ( who would not provide his name & I.D . Number ). There was a deduction from my checking account from a service of which I never received ( auto-deducted from XXXX XXXX XXXX. The claims adjuster went through my deductions from my account. XX/XX/2023 the amount of {$120.00} was deducted from XXXX from my checking account. They offered me a provisional credit.XXXX XX/XX/2023 the amount was deducted from my checking out ; yet, again, in the amount of {$120.00} of which Wells Fargo offered another provisional credit. XX/XX/2023, there were three transactions ( 2 credits of {$120.00} dollars, and one deduction/refusal of {$120.00} ). I called the bank and I told them to stop these random, and excessive, deductions from my account from XXXX. The bank agreed to block these transactions from the Merchant ; XXXX via XXXX XXXX. XX/XX/2023, the claims adjuster explained that XX/XX/2023 it was : " adding {$120.00}, and deducting {$120.00}, '' cancels the claims out. In total, per Wells Fargo Claims Adjuster, there were : " a total of 5 credits, and three deductions. '' Therefore, the bank reversed two credits, in the amount of {$120.00}, in total of : {$250.00} on XX/XX/2023. The bank never called me to warn me of subtracting this money from my checking account. Therefore, two transactions bounced, and left me with a negative balance. Wells Fargo Claims Adjuster representative, stated : " It is definitely Wells Fargo 's error, but we are not crediting your account back, and you'll incur overdraft fees. '' I believe I should not suffer financially from financial institutions errors around adjusting claims. This is predatory, and an unfair banking motive, practice, and poor, practical customer service skills on behalf of Wells Fargo. In addition, I am incurring late fees on the two auto deductions from merchants, while my account remains in a negative balance.

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 2018-04-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have filed dispute with Chase regarding about HELOC mortgage last month. I have tried to call them to resolve issue but they keep saying has no information. They mailed me letter saying that they charged off mortgage in XX/XX/2009. Over 9 years, they never sent me any information and I cant believe that how good they are : (. I filed bankruptcy and want to sell my house through the bankruptcy but it was so hard with Chase and they dont give any information and now time consuming and I want to know why they charged off and I paid for tax cancellation long time ago and they still asked me to pay and not release mortgage. They are confusing me. All I want they need to let me know what they want to do. They were cheating while they gave me HELOC loan even though during that time I did not have job or cant pay it and they still give me loan and end of I cant pay

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Fidelity National Information Services, Inc. (FNIS)
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:
This is in reference to the Consumer Report sent by Chex Systems INC. While checking my report, it came to my notice that Chex Systems INC has furnished an account ACCOUNT # XXXX on my CHEX SYSTEM Report. 
According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties. Therefore, ( bearing information regarding the alleged debt ) by XXXX XXXX XXXX XXXX will amount to Communication. 
I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. 
The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information.

15 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party.

15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws.

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 2022-03-28
Company: EQUIFAX, INC.
State: MD
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 DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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 fraud alerts or security freezes

Complaint:
Ive tried to have any fraud alerts including extended fraud alerts removed from my credit reports but all three CRAs havent removed anything. I also asked that the Personal Statement be deleted as well because I never asked that any personal statements be listed on my reports. Ive received confirmations that things are removed but when I try to verify a fraud alert was removed it had been turned into and extended alert. Ill include confirmation images below. Ive contacted all over the phone as well as electronically.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Progressive Management Systems on XX/XX/2023 regarding a statement they'd sent me. They told me that the current balance included several accounts. I requested substantiation of the debt since the statement they sent me did not include any details other than the total current balance. They never sent me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
I am writing this letter to express my disappointment and frustration with the way the creditors have handled my credit account. I had a negative account with which was reported to the credit bureaus and was impacting my credit score negatively. However, I reached an agreement with these companies to pay off the outstanding balance, and they had assured me that the negative account would be removed from my credit report. 

Despite fulfilling my end of the agreement and paying off the balance in full, I have recently checked my credit report and found that the negative account is still being reported. This has been extremely disappointing and frustrating for me, as I believed that by fulfilling my part of the agreement, the negative account would be removed and my credit score would improve. 

I would like to request that you take immediate action to remove the negative account from my credit report as per our agreement. I also request that you provide me with written confirmation once this has been done. 

Please let me know if there is any further information you require from me in order to resolve this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: HIGHLANDS RESIDENTIAL MORTGAGE
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased our home XX/XX/2022 using a conventional loan with waived escrow ( all taxes and insurance were paid from closing ) from Highlands Residential Mortgage. Highlands then immediately sold our loan to XXXX XXXX. Highlands received a payment from XXXX XXXX at acquisition of our loan for {$600.00} for a charge Highlands claimed to have paid on our behalf that was, in fact, non-existent and possibly fraudulent. It is our understanding that XXXX XXXX will not vacate the charge from our loan until it has been paid back. At this time they are collecting it as a debt from us, when in fact, it was a fraudulent charge placed against our loan by Highlands Residential Mortgage. Highlands needs to make payment to XXXX XXXX for the {$600.00} they were paid under false pretenses before XXXX XXXX will remove it from our loan and reimburse the amount we have had to pay towards it in order to keep our loan current and in good standing. It has been over a full billing cycle since we have brought this to Highlands Residential Mortgage 's attention with no resolution. We have only received claims of needing more time, escalation, etc. but again, no resolution. XXXX XXXX refuses to vacate the amount from our account and we are having to make monthly payments via a new escrow with negative balance with XXXX XXXX for a credit from Highlands we did not receive. We have confirmed with all parties involved ; closing attorney, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  that all taxes and insurance were paid from closing funds with checks from the closing attorney and Highlands Residential Mortgage has not paid anything on our behalf before or after closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX loan was paid in full on XX/XX/XXXX by insurance company and title was released to insurance company. Gap coverage was selected but was not processed by dealer properly on loan documents. After loan was processed and submitted to XXXX XXXX the contract was determined to be either incorrectly stated or omitted for XXXX XXXX contract by dealer. This was not my error and XXXX coverage was selected and should have covered the difference and therefore no remaining balance was due. Ally and their collection agency continue to report this as unpaid debt to credit bureau. I have disputed this several times. I phoned XXXX XXXX  on XX/XX/XXXX and the gentleman could not locate my account and stated he was transferring me to an Account Specialist but instead transferred me to their collection agency XXXX XXXX XXXX XXXX. They demanded payment but I did not contact them but was transferred to them by false misinformation.

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 2020-03-23
Company: Experian Information Solutions Inc.
State: SC
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 requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 explanation
Consumer complaint received 2022-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Ive had a case open and I tried to have my case closed in order to get a new checking account for over 2 years now. I reached out to the back and they told me that my account been closed for almost 3 years now and that I just contact CFPB in order to file a dispute in order to get my name removed in order to open a new account with any bank but due that I have a block on my credit file I am unable to due so.

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 2018-02-19
Company: Chrysalis Holdings LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We initially began the process of obtaining a refinance for our home around XX/XX/XXXX with XXXX XXXX XXXX loan company for Veterans. After being approved we decided that instead of refinancing we were going to purchase another home. This process began on or around XX/XX/XXXX. 
We found our new home, put in a bid, which was accepted, and subsequently put our home up for sale in XXXX XXXX. Each day our loan officer ( XXXX XXXX ) contacted us ( on his recorded line ) while we were working, for data and information, which was given with no issues. When they ( Underwriters ) found out that we own a business our personal information was no longer sufficient and they began requesting tax returns for the last two years ( XXXX & XXXX ), and W2s for XXXX. This information was requested s to see if our business had taken a loss even though our W2s showed an increase in our salary. They then indicated they could not accept the W2s for XXXX stating that as business owners we could have forged our W2s and  therefore requested our XXXX tax returns and profit loss statements on XXXX XXXX. We informed them that our taxes are not due until XXXX XXXX as we legally file for an extension every year which is on record, and would not be able to provide them. All W2s for XXXX were submitted to the IRS and we asked them to request the info needed from the IRS as verification. They indicated they don't due this and for that reason they will not service our loan. We began this process in XX/XX/XXXX and on XXXX XXXX, 12 days before our closing we were notified that they would not service our loan. Throughout this process we were continually told that there were no issues, while our loan officer went back and forth several times a day asking for more documents, info, credit ... etc. They cost us to lose our initial interest rate of 3.875 % because they did not lock in our rate. The rates are rising everyday and we now are subject to higher rates. At this time we are scrambling to find a new mortgage company to service our loan while having to be out of our home on XX/XX/XXXX. We will also be contacting a lawyer to look into this matter. Totally Unprofessional and Unethical. Not a good representation of how Veterans are handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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:
See Documents attached. I am a victim of identity theft.

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