BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2023 I settled with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and Paid the settlement amount of {$950.00} which brought the account balance to {$0.00}. However, on my credit report it is reporting in a collections status. The agreement with the creditor was that if I agreed to settle for the said amount above once paid it will report on my credit report as a Closed/Paid account with a {$0.00} balance reported. Due to the inaccurate reporting on my credit report is causing me to get denied a place to live. This reporting is telling the companies that run my credit report that I still owe the Community that I paid the debt off with. The credit bureau is in violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Can you please look into this matter.

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 2023-08-21
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-12-14
Company: Mr. Cooper Group Inc.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My Loan was transferred from Rushmore Loan Management Services to Rushmore Servicing. Two different Companies. The first issue occurred on XX/XX/XXXX. My account is on autopay and they debited my account twice. Once on XXXX when the payment was due, and then once again on XX/XX/XXXX. I saw the amount come out of my bank account twice and immediately called them. They said it was a payment error and they ended up sending the money back the next day. 

The second issue is the old company, Rushmore Loan Management Services, incorrectly reported my payment delinquent to the XXXX Credit reporting agency when the loan balance was at {$0.00} AND I have proof of a history of payment to the new servicer. because of this, my credit score dropped XXXX points in one day in the middle of a loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX Ssn XXXX Phone number XXXX XX/XX/XXXXXXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Unauthorized Disclosure of Personal Information and Violation of Privacy Rights Dear Equifax Information Services I am writing to bring to your attention a matter concerning the unauthorized disclosure of my personal information, which I believe constitutes a violation of the Privacy Acts No Disclosure without Consent Rule outlined in 5 U.S.C. 552a ( b ). I have recently obtained a credit report from your agency, and I discovered that certain details related to my child support account with the XXXX XXXX DA have been shared without my prior written consent. 

The specific information disclosed without my consent includes : Account Name : XXXX XXXX DA Account Number : XXXX Account Type : Child Support Responsibility : Individual Date Opened : XX/XX/XXXX Status : Open. {$40000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$40000.00} Balance Updated : XX/XX/XXXXXXXX  Recent Payment : - Monthly Payment : {$660.00} Original Balance : - Highest Balance : - Terms : 1 Month Source : XXXX I would like to emphasize that, according to the Privacy Act, federal agencies are generally prohibited from disclosing personal information without the written consent of the individual. This disclosure, as detailed above, includes information about my child support account and its financial status, and I have not provided any prior written consent for such disclosure. 

I kindly request that Equifax thoroughly investigate this matter, correct any inaccuracies resulting from the unauthorized disclosure, and take appropriate measures to remove the child support account from my credit report and prevent such incidents in the future. I am also open to providing any additional information or documentation to support the resolution of this matter promptly. 

I appreciate your prompt attention to this issue and look forward to a timely resolution. Please feel free to contact me at XXXX is my phone number or XXXX is my email address to discuss this matter further. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX Ssn XXXX Phone number :XXXX XX/XX/XXXXXXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Unauthorized Disclosure of Personal Information and Violation of Privacy Rights Dear Equifax Information Services I am writing to bring to your attention a matter concerning the unauthorized disclosure of my personal information, which I believe constitutes a violation of the Privacy Acts No Disclosure without Consent Rule outlined in 5 U.S.C. 552a ( b ). I have recently obtained a credit report from your agency, and I discovered that certain details related to my child support account with the XXXX XXXX DA have been shared without my prior written consent. 

The specific information disclosed without my consent includes : Account Name : XXXX XXXX DA Account Number : XXXX Account Type : Child Support Responsibility : Individual Date Opened : XX/XX/XXXXXXXX  Status : Open. {$40000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXXXXXX  Balance : {$40000.00} Balance Updated : XX/XX/XXXXXXXX  Recent Payment : - Monthly Payment : {$660.00} Original Balance : - Highest Balance : - Terms : 1 Month Source : XXXX I would like to emphasize that, according to the Privacy Act, federal agencies are generally prohibited from disclosing personal information without the written consent of the individual. This disclosure, as detailed above, includes information about my child support account and its financial status, and I have not provided any prior written consent for such disclosure. 

I kindly request that Equifax thoroughly investigate this matter, correct any inaccuracies resulting from the unauthorized disclosure, and take appropriate measures to remove the child support account from my credit report and prevent such incidents in the future. I am also open to providing any additional information or documentation to support the resolution of this matter promptly. 

I appreciate your prompt attention to this issue and look forward to a timely resolution. Please feel free to contact me at XXXX is my phone number or XXXX is my email address to discuss this matter further. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It would appear an account was open with XXXX XXXX ( mobile ) using my personal information. My mobile provider has been XXXX XXXX for the past decade. I continue to receive past due bills and debt collection notices for Account : XXXX from I.C. Systems Inc. on behalf of 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 2023-11-27
Company: AMERICAN EXPRESS COMPANY
State: WV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I want AMEX to set up a new username and password for me or to provide me with my existing login credentials so that I can access my AMEX XXXX XXXX XXXX account ending in XXXX. My login credentials to my savings account are apparently no longer valid. AMEXs website states that savings customers without an AMEX card need to create new AMEX login credentials to access savings accounts. Please see the attached XXXX I currently do not have an American Express credit card, as I closed my card in XXXX of XXXX. I do not remember my login credentials for my closed credit card. When I click on create Amex User Id & password for savings on the attached webpage and provide my social security number and date of birth, the AMEX website states Existing Login Found. Our records indicate that you already have an Amex login, please log in to access your Savings account. I do not know these credentials. My AMEX savings login credentials do not work when I attempt to login. When I try to reset my user id and password, the XXXX website states We are unable to process your request. Were sorry. Our systems are temporarily unavailable. Please try again later. I called AMEX twice on XX/XX/XXXX, over this issue. One representative from the AMEX credit card department advised me that my closed AMEX credit card is not linked to any login credentials. Another representative from the savings account department advised me that she was unable to access my username. We attempted to reset my login credentials several times. I am highly disappointed in AMEX. I can not tell you how frustrating it is to be unable to access a bank statement. This is particularly so when I received an email from AMEX stating that a bank statement was available. Please see the attached XXXX of the email. I have had this AMEX XXXX XXXX XXXX Account since XXXX. I have over {$26000.00} in this account. I have spent HOURS dealing with this. If this issue is not rectified forthwith, I will take my business elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 reviewing my credit report and found some inquiries that do not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am writing to urgently address the enduring inaccuracies on my credit report due to erroneous reporting by XXXXXXXX XXXX. My reports show 120 days late, which is false. it was in Forbearance. 
Despite XXXX prior letters sent on XX/XX/2023 and XX/XX/XXXX with substantial evidence ( that I can't put here given SSN #, etc. ) to debunk the incorrect information, there has been no response or corrective action from their end. Now, over 75 days have passed with no resolution, displaying a clear negligence on part of XXXX XXXX. I have also filed with the bureaus and they all use the online auto info sent by XXXX instead of a human being reviewing. 

The negligence and incorrect reporting by XXXXXXXX XXXX have had a detrimental impact on my financial standing. Specifically, My refinance was cancelled and now the rate increase will cost me over {$43000.00}, XXXX reduced my credit line by 90 % due to the incorrect information reported by 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 2023-10-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 requesting that it will be removed from my credit report as soon as possible.

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 2023-12-05
Company: Mercedes Benz Financial Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hope this letter finds you in good health. As a loyal customer, I'm writing to you to voice my concerns about certain late payments that were shown on my account. 

MERCEDES BENZ FINANCIA XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or MERCEDES BENZ FINANCIA customer service I respectfully ask for your cooperation in removing the late payments that were noted from my account history. I cherish my good relationship with the credit card company and pledge to create a more regular and timely payment schedule going forward. 

I am aware that the company has policies in place regarding late payments, and I sincerely hope for your understanding and consideration in this matter. If there is any additional information required or a formal process to follow, please guide me through the necessary steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have an Bank of America business account they choose the end relationship I have funds available in my account and was told i have to wait to closing date to close account and receive my funds in mail The closing date keep changing I been dealing with this since XXXX no check have returned or anything since and Im dealing with a very hardship issue outside of this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to request the removal of outdated debt accounts from my credit report. I have recently reviewed my credit reports from your agency, and I have noticed that several debt accounts that are over XXXX years old and have been in default more than 5 years that are still listed and reporting on my report. According to federal law, and Virginia Attorney General these accounts and being reported illegally and should no longer be reported, and I kindly request their removal. 
Below, I have provided the relevant information for these accounts : 1. Creditor Name : J.P Morgan Chase 2. Account XXXX : XXXX XXXX. Date of First Delinquency : XX/XX/XXXX XXXX. DATE OPEN : XX/XX/XXXX I believe these accounts have exceeded the legally mandated reporting period of seven years, and as such, they should no longer be affecting my credit score or financial standing.

Enclosed with this letter, please find copies of documents supporting the age of these accounts, including. I request that you investigate this matter and, if found to be in violation of the seven-year reporting limit, remove these accounts from my credit report promptly.

I understand that federal law, under the Fair Credit Reporting Act ( FCRA ), requires credit bureaus to conduct a reasonable investigation within 30 days of receiving a dispute. I request that you provide me with written confirmation once these accounts have been removed from my credit report. 
Also, on the following accounts there are inaccuracies on the alleged accounts. On XX/XX/XXXX XXXX states that my payment was made on time on XXXX states that a payment was made 30 days late. XXXX states they have no history of a payment at all. When you provide information to my credit report, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. Please see the inaccuracy below. XXXX also states that payment on XX/XX/XXXX, was 30 days late, XXXX states that on the same month XX/XX/XXXX payment was on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
am writing to dispute the reporting on my credit file regarding a closed charged-off account associated with Loan Account It has come to my attention that there are inaccuracies in the information being reported, which is in direct violation of established credit reporting regulations.

The discrepancies are as follows : 1. Reporting a Closed Charged-Off Account as Past Due : The account is inaccurately listed as past due, even though it has been closed and charged off. This misrepresentation is negatively impacting my credit profile and is not reflective of the accounts current status.

2. Discrepancies in Balances : The written-off amount is documented as {$3900.00}, whereas the reported past due amount stands at {$7800.00}. This inconsistency raises concerns about the accuracy of the information provided and is in violation of credit reporting standards. 

These discrepancies are affecting my creditworthiness and financial standing. I kindly request that you promptly investigate and rectify these inaccuracies to bring the reporting in line with the actual status of the account. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. Failure to address and correct these discrepancies within the required timeframe may compel me to take legal action to protect my rights. 

I appreciate your prompt attention to this matter and request that you provide written confirmation of the resolution and the updated information submitted to the credit bureaus. 

Thank you for your cooperation in resolving this matter promptly.

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 2023-11-23
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is an additional request to dispute specific data in my credit file that does not belong to me or for which I have not signed any agreement. The products in question have nothing to do with any transactions I've carried out or approved in order to get goods, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-25
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There has been 2 fraudulent transactions on my credit card in the amount of {$2400.00} and {$24000.00} 1st Fraud Dispute was filed on XX/XX/2023, Truist Fraud Department cancelled the card on XX/XX/23 and sent me a replacement, but no fraud claim was filed untill I called back on XX/XX/2023. A fraud case # XXXX. 

2nd Fraud Dispute was filed on XX/XX/2023 and was reported to Truist on XX/XX/2023. A fraud case # XXXX was issued. This fraud claim was for {$24000.00}. 

Truist Fraud Deparment was called multiple times since XX/XX/2023. As of today 's phone call with XXXX XXXX and XXXX XXXX from Fraud Dept. the issue remains unresolved. 

Unfortunately Truist keeps giving same excuse all the time, we are still investigating. Truist also started reporting this balance to credit agencies ( XXXX, XXXX and XXXX ). 

I have sent several emails to disputes at XXXX, a part of my several phone calls to XXXX. There is no resolution being provided by Truist. 

I also sent an USPS Certified Letter on XX/XX/2023, with Tracking # XXXX ( I am also attaching the letter to this complaint ), still there is no response from Truist. Last correspondence in writing was on XX/XX/2023 in an email. I also called Truist today ( XX/XX/23 ) to find out the status, I was informed by XXXX XXXX and XXXX XXXX, Supervisor, Fraud Dept, the cases are being investigated and there is no timeframe for the investigation to be completed and that my account will not be credited untill the investigation is complete. 

I NEED HELP, THE AMOUNTS IN FRAUD DISPUTE total to {$26000.00} which is a lot of money to me and my family. Truist has not resolved the fraud complaints and is holding me responsible since XX/XX/2023.

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