BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Account Name XXXX XXXX XXXX XXXX account number XXXX with balance of {$680.00}, Account Name XXXX XXXX account number XXXX with balance of {$0.00}, Account Name XXXXXXXX XXXX  XXXX account number XXXX with balance of {$0.00}, Account Name XXXX XXXX Bk account numberXXXX Account Name XXXX with balance or {$96.00} Account Name XXXXXXXX XXXX XXXX with balance of {$160.00} Account Name XXXX with balance of {$60.00} Account Name XXXX with balance of {$600.00} Account Name XXXX with balance of {$290.00}. has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 conviction of crimes which antedates the report by more than seven years.XXXX XXXX XXXX XXXX ( A ) (! ) 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-21
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This case is about {$8000.00} being taken out of my account at M & T bank on XX/XX/2022 without my knowledge or permission.M & T bank should have notified me of a large transaction like this if I authorized it or not.The account was suppose to being watched for suspicious behavior the IT staff at M & T should have thrown a flag up with this large of a withdrawal.I should have been notified.When I discovered this I was at the bank before they opened and waited for the Manager and disclosed what happened.My account was compromised and the banks job is to protect their Customers assets.I started a dispute with M & T bank and they should in good faith return the money that was taken out of my account.It is the banks responsibility to protect at all times the customers hard earned money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After sending a Notarized Affidavit of Validity, Portfolio Recovery failed to verify this alleged debt. This company is furnishing deceptive information and forms pursuant to 15 U.S.C 1692j on me a Natural Person whos Federally Protected. I am a Consumer whos never authorized nor autographed any agreements with portfolio recovery, Which is a clear indication of Aggravated Identity Theft according to 18 U.S.C. 1028A. This company is violating my consumer rights and reporting false and misleading information and representation 15 U.S.C. 1692e of an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: MO
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 recently received a copy of my Experian, XXXX XXXX XXXX XXXX report, and i noticed that XXXX XXXX XXXX XXXX are reporting my transactions and experiences specifically a late payment that have posted on my consumer report : XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term ''consumer '' does not include - ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely at to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX XXXX XXXX XXXX Making the report is NOT INCLUDED on my Consumer report! 

A LATE payment is a transactional history, My HISTORY WITH XXXX XXXX XXXX XXXX. XXXX clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on my consumer reports! 

XXXX XXXX XXXX XXXX HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which clearly states IS NOT included on my CONSUMER REPORTS. 

PUT ON NOTICE that the reporting of my transactions or experiences with XXXX XXXX XXXX XXXX to the consumer reporting agencies is a DIRECT VIOLATION of the Credit Reporting Act 15 usc 1681a 2 Ai and this constitutes to inaccurate reporting.

Furthermore, pursuant to 15 USC 1681 S-2 15 U.S. Code 1681s-2 - Responsibilities of Furnisher of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBTION ( A ) Reporting information with actual knowledge of errors 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. 

DUTY : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION : a law or regulation forbidding something

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 2018-08-31
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: Account information incorrect

Complaint:
I have reached out to my creditors that are reporting my payments as past due and I have never been late on a payment. I have had issues with these companies reporting incorrect payment status. I gave them the opportunity to fix this but seems like I'm not getting anywhere and I was advised I could reach out to you. These are the accounts reporting inaccurate payment information. 

1. XXXX XXXX  Acct # XXXX ( Experian, XXXX, XXXX ) 2. XXXX XXXX Acct # XXXX ( Experian ) 3. XXXX XXXX XXXX Acct # XXXX ( Experian )

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 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On XXXX XXXX, 2022 I contacted TransUnion about the following negative accounts XXXX ( Account # : XXXX, Date Opened : XXXX/XXXX/2022, Balance : {$380.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the 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 2019-12-12
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have gotten 4 voice mails for my husband 's niece for a creditor. They have left messages on the following dates and times : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX 
XX/XX/2019 XXXX XXXX 
XX/XX/2019 XXXX XXXX 
XX/XX/2019 XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13
Company: Experian Information Solutions Inc.
State: OH
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:
ive notice a old address and a false address plus a phone number that doesnt belong to me still appear on my profile. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX is a false address that should be removed XXXX XXXX XXXX, FL XXXX is a old address that should be removed and any other phone number beside my primary number should also be removed from my credit report. my primary phone number is ( 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 2023-10-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 usc 1681 section 602 a states i have the right to privacy.

15 usc 1681 section 204 a section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions.

15 usc 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years, 15 usc 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the rperson knows or has resonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRUIST FINANCIAL CORPORATION
State: AZ
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 only applied for one credit application and now I have 14 hard inquiries that I have no knowledge of or have my consent

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 2022-10-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My father passed away in XX/XX/XXXX and I purchased his home from the estate in XX/XX/XXXX. 

During the estate process, the bank, Fifth Third Bank, never sent a bill for the HELOC. Not once. For over two years. There was no bill to indicate this debt existed. 

Fifth Third Bank did not engage with the estate process. Had they engaged with the estate process, we would have known this debt existed. 

Fifth Third Bank also made a mistake on the mortgage document and the mortgage modification agreement. They listed the incorrect property on the front page but got the legal description right on the addendum. 

Before I purchased the property, I called the recorder 's office to see if there was a mortgage on the property. They said no, because they only looked at the front page. Had Fifth Third Bank gotten the correct property address on the front page of their mortgage agreement, we would have known the debt existed. 

So I purchased the property for cash and then the bank sued for foreclosure. I did not get title insurance on the property because my father owned it for over 50 years. 

The bank 's attorney says the three mistakes made by the bank are irrelevant because they got the legal description right on the addendum. They intend to take the property in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 DATE OPENED : XX/XX/XXXX This account has been written off/ charged off therefore i request that it be removed from my credit report immediately, i am no longer responsible for it. It has been written off on XXXX of XXXX in the amount of {$3000.00}. And i also have not received my XXXX letter from this company.

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 2023-02-14
Company: EQUIFAX, INC.
State: DC
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 called the 3 credit bureaus after I purchased a credit report with IdentityIQ on XXXX XXXX, 2023. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-02-14
Company: Resurgent Capital Services L.P.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer, Carrington Mortgage Services , LLC, failed to capture the XX/XX/XXXX {$250.00} property tax deduction from the Township of XXXX in the XX/XX/XXXX escrow analysis, resulting in an incorrect shortage and an increase in the monthly mortgage beginning with the XX/XX/XXXX statement with payment due on XX/XX/XXXX going forward. 

Additionally, Carrington Mortgage Services , LLC after updating their system to reflect the correct names ( XXXX XXXX XXXX and XXXX XXXX XXXX ) on the mortgage of record based on the XX/XX/XXXX assumption, modification and partial claim indicated that any excess escrow disbursement check would be issued to XXXX XXXX XXXX and XXXX XXXX XXXX. Any excess escrow disbursement check from XXXX should be issued solely to XXXX XXXX XXXX, since I as the principal borrower alone and homeowner am eligible and entitled to participate in an to receive the New Jersey Tax Reimbursement Program, the New Jersey Homestead Rebate Program, the Veterans property tax deduction, the Disability property tax deduction and/or the Senior property tax deduction from the Township of XXXX. Additionally, my name alone appears on the Deed. 

Thirdly, XXXX in updating their system to drop the names of the original signatories ( XXXX XXXX XXXX and XXXX XXXX XXXX, my deceased parents, to reflect the names that appear on the mortgage or record ( XXXX XXXX XXXX and XXXX XXXX XXXX ) based on the XX/XX/XXXX assumption, partial claim and modification, the servicer changed the correct property address ( XXXX XXXX XXXX, XXXX, NJ XXXX to the mailing address ( XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ). 

Despite having contacted Carrington Mortgage Services , LLC on numerous occasions, including submitting a written request to the Carrington Research Department, these issues to date have not been addressed and resolved. Therefore, I am submitting this formal complaint against Carrington Mortgage Services to the CFPB. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: JPMORGAN CHASE & CO.
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: Old information reappears or never goes away

Complaint:
Chase Bank is REFUSING TO REQUEST OF THE THREE CREDIT REPORTING AGENCIES, REMOVAL OF CLOSED CREDIT CARD ACCOUNTS THAT HAVE BEEN CLOSED SINCE 2016, AND ARE NOT GOING TO BE RE-OPENED! 

If a bank can report information about a credit card account TO the CRA 's, they should be able to REQUEST REMOVAL OF OUT-DATED AND CLOSED CREDIT CARD ACCOUNT INFORMATION TO THE SAME SOURCES!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information for the third time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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