BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2021-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
bank of america az XXXX XXXX is responseable for opening a 2nd account when under there policy a customer is only supppose to have one account, they funded this account and allowed for another individual to compermise this 2nd account now im out of over XXXX plus and they will not take reponseabilty for what they created and caused while i was hospitalized for XXXX. i have filed a claim about this whole sittuation and they still to have make right on there end.there is multiple sittuations all over the news in multiple citys and states the same company has done this to multiple individuals this is really sad to kno that a bank such as bofa is responseable for multiple sittuations and have done nothing to correct it there are familys going homless and hungry because of this and they need to make it right .please help me fix this whole sittuation and be reinbursed for my money ive paid taxes on.

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2019-11-20
Company: EQUIFAX, INC.
State: NC
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: Personal information incorrect

Complaint:
DOB incorrect in Record as of XX/XX/2019 Request investigation to tell me HOW the error occurred. Once a SSN is issued and connected with a DOB those two fields should never change. Your name may change, addresses may change but you will never be born again physically. Equifax insists th

at I fax proof of identity to correct the record, exposing my Driver 's License and SSN card again. Their assertion that a data provider pushed a DOB to my record ( my Dad 's DOB ) and that Equifax is not responsible is absurd. That field should not be allowed to be changed by any data reporting provider and certainly not by a simple name match.I am a " Jr '' and am told this happens quite frequently with JR,!!,!!!, etc. It should NOT! Ever. Then to put the burden on a citizen to prove themselves rather to checking for the Equifax error only adds insult to injury.

Both other credit bureaus XXXX and XXXX  have the correct DOB on my record today. I really hope that this misinformation does not corrupt their record as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was trying to make a payment on my account and it was a computer glitch and it didnt take my payment and had me being late so i demand them to remove the late payments only

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage VA as a Veteran and all Veterans quality as long as honorably discharged from the military as a benefit to homeownership but I am declined. Because of a credit score or FICO score and how can that apply to me. When in the military income is meager and purchasing limited and spend my income and taxed? My pay rate is increased by college credits and to get a good paying job and credit is the reason of score but I paid off my loan in college and no debts. Injustice to me. And business wants to exploit me by credit score. Getting better credit they say buying things with what income? Discrimination! But child support payments are not needed fto report as income for a female. To use as paying back a mortgage.And they have no college. Injustice by the Federal Reserve Board and Chairman! I want to sue the government for {>= $1,000,000} for the discrimitory practice. A homeownership will never exist for me a Veteran with the faalse standards. I would not need a mortgage ever and fair credit reporting non existent. The lenders continue to resort to that credit score. Then XXXX score. Covering up things as I see. Corruption in the government. Whom will rectify the situation? They see no wrongdoing to me. IRS or nothing those white people are racist who are guilty!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
They didnt delete anything off my credit report its still on my credit report they didnt send me the original contract with my signature this is a illegal

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 2022-12-29
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a call today from collection company Original Balance : {$19000.00} Current Principal : {$19000.00} Interest Due : {$110.00} Total Due : {$19000.00} COLUMBIA DEBT RECOVERY LLC DBA XXXX XXXX XXXX XXXX XXXX, WA XXXX I told the company this is fraud and they emailed me a fraud packet to fill out and email to them. I have been dealing with identity theft for a year now. I froze all accounts but still getting hit with collections from apartments that were opened in my name and information before I froze my accounts. 

ORIGINAL CREDITOR : XXXX XXXX I FKA XXXX XXXX I PLACED FOR COLLECTIONS ON : XXXX/XXXX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting my complain and this was my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. The following items are fraudulent that needs to be removed : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$12000.00} ; XXXX XXXX Bankruptcy Date XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date XXXX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX  Bankruptcy Date Filed/ReportedXXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX CPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2021-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX committed and wrongfully placed information on my credit report that does not belong to me. I have contacted the company several times and requested that they send pertinent information that corresponds to validating my identity to prove that I have an account with them. THEY HAVE FAILED TO PROVIDE any documentation whatsoever showing that this account belongs to me. They have violated the FCRA regulations in reporting information that does not belong to me to the credit reporting agencies XXXX, TransUnion and XXXX. Furthermore, I have contacted XXXX, TransUnion and XXXX as well in which none of the the credit reporting agencies have submitted information proving that this account is mine. I asked them to remove this fraudulent account and they have also failed to do so. I have filed police reports and an affidavit to validate my claim. I have sent out certified mail to you all parties several times and have received no results.

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 2017-08-08
Company: Lendmark Financial Services
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
For the past four months they are not supplying the balance or payoff amount to keep the consumers as my self in the dark. They are collecting payments and not crediting the accounts. When asked for my loan balance no one knows. The company keeps saying they are upgrading their system so they can not supply me with my loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance {$2.00}, XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$250.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: JPMORGAN CHASE & CO.
State: RI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2023 I went to the Chase Bank in XXXX, RI to close my deceased brother 's savings and checking account. I presented a death certificate, certificate of trust and a will as proof of my legal claim to close the account. The bank refused to close the account. I had to hire a lawyer who presented the same paperwork, on XXXX XXXX, to a Chase bank in Florida, where my brother lived. The Chase bank, in Florida, could not provide a reason why the RI branch refused the request to close the account. I went back to the the RI branch, on XXXX XXXX, and told them about what the Chase bank in Florida stated. I provided the name of the XXXX XXXX person and phone number to the RI branch XXXX who spoke to the Florida XXXX. The RI XXXX looked at the paperwork submitted by the Florida XXXX, which was the exact same paperwork I submitted on XXXX XXXX. On the XXXX of XXXX. I was called by the RI XXXX and informed I could close out the account. On XX/XX/XXXX, I closed out the account. I had the expense of hiring a lawyer and would like to be reimbursed for that expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: LEXISNEXIS
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XX/XX/2023 I received a copy of my Lexis Nexis credit file and discovered inaccurate and illegal information listed in my file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Paid Of my XXXX loan. Took weeks to show on credit report as paid off. 
Added 3 late payments to credit report which did not happen.

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 2023-03-22
Company: Experian Information Solutions 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX Balance : {$2100.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3700.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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 2023-07-09
Company: Experian Information Solutions Inc.
State: WA
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:
I have attached a full explanation and provided necessary documentation. The bottom line is the main issue for all consumers according to statistics and great record keeping by the CFPB, they errors on our credit reports are coming from the credit reporting agencies that are furnishing our reports. Feedback : only hire people in this very important position that truly have a heart to serve the community. Banks pay these agencies for negative data so they can then charge the consumer with bad credit more interest which is flat out predatory. Please include XXXX and XXXX in this complaint requesting full investigation of their employees as well.

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 2018-04-23
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife received an invoice for ambulatory services ( in a name spelling close to her maiden name, a name that was legally changed to " XXXX '' nearly 10 years ago ) that was issued in the state of Georgia on XX/XX/XXXX for the amount of {$1400.00}. My wife has never been in an ambulance nor visited the state of Georgia. We called upon receiving the invoice to the company listed there in and notified them in these regards. We were told then that it would be investigated and if further information was needed that we would be contacted on the matter.

The ambulatory service ( issuer of invoice ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX invoice send date XX/XX/XXXX TodayXX/XX/XXXX XXXX XXXX PST I received a phone call from : Professional Bureau of Collections Maryland ( XXXX ) XXXX.

In which the collector notified me that there indeed was a collection against my wife for the services ( never received by her ) listed above. I explained the situation to the representative exactly as stated above that my wife had neither ever been in an ambulance or to the state of Georgia. To which she replied that further actions would be taken against us regardless of claims made by us.

I called the number listed on the invoice promptly moments after and explained again the situation at hand and was informed by their representative " XXXX '' that she would have her supervisor investigate the matter further and contact me directly if any additional information was needed.

Company affiliated with the company issuing the invoice : XXXX XXXX XXXX ( XXXX ) XXXX.

While on the phone to XXXX XXXX XXXX  I received another phone " robo call '' " unknown debt collector '' that merely stated to call the listed number below because legal actions were pending against me.

( XXXX  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX XXXX XXXX My Mortgage company is PHH Mortgage services. My account number XXXX I purchased my house in XX/XX/XXXX. I have had a payment of XXXX for the entire duration of the note until XX/XX/XXXX. I made the mistake of not paying my property taxes on time, The mortgage company Claimed they received a letter and paid it for me, while opening a Escrow Account. I had never had an escrow Account and Did not desire one. I paid my taxes and insurance out of my pocket direct every year prior. I called Phh in XXXX and asked what I needed to do to delete my ecrow account. I was informed that I owed them {$5000.00} and was told to pay before XXXX. I Paid {$5000.00} to them on XXXX and was informed I also owed an additional {$1100.00} for this months payment and fees. I had already made 2 payments in XXXX one on XXXX for {$780.00} and one on XXXX for {$790.00}. I was told everything was taken care of and my payments would return to normal. I called on XXXX to make my next payment and was told they had already paid my next years taxes and opened another escrow account, they refused to reverse it and told me my new payment were XXXX. I would like to refinance my house and was in the process when I was told that there was not a payment made for XXXX. For them doing this it put the first in 14 years over 30 days late on my account which made me have to cancel my refinance and caused my payment to almost triple. I have made many phone calls that were all longer than 2 hours talking to customer service, escrow service, and refinance service, while always asking to speak to a manager. I was told every time, there is nothing they are willing to do, and they have given me no other course of action but to lodge a complaint and hope someone can help me, so I may refinance and get my payments at least back to normal.

Company response to consumer: Closed with explanation