BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I've disputed these accounts highlighting the inaccurate and incomplete information reporting, and these companies continue to violate my rights. please help me solve these issues. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$3700.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : 06 XXXX XXXX ) XXXX Balance : {$86.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how toremove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION orhttps : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required toremove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blockingof the erroneous information which is being posted to my report. Here is the list of items that do not belong tome or were opened without my permission. XXXX XXXX XXXX XXXX XXXX Balance : {$33000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} ; XXXX & XXXX Original creditor : XXXX XXXXXXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX Balance : {$300.00} ; XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX. XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXXXXXX XXXX  Balance : {$11000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) theCREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumeridentifies as information that resulted from alleged identity theft, not later than 4 business days after the date ofreceipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how toremove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION orhttps : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required toremove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blockingof the erroneous information which is being posted to my report. Here is the list of items that do not belong tome or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX : {$33000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} ; XXXX & XXXX Original creditor : XXXX  XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : AT XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX I, XXXX Original creditor : XXXX XXXX. XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) theCREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumeridentifies as information that resulted from alleged identity theft, not later than 4 business days after the date ofreceipt.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: KY
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:
15usc 1681 law requires you to validate this account with a signed contract. futhermour i did not agree to have my non public information shared

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 2023-01-06
Company: M&T BANK CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I Contacted M & T Bank XX/XX/2023 to have my credit card replaced and for some unknown reason M & T Bank Closed my Credit Card Account Card Ending : XXXX and i never wanted to closed my credit card account with M & T Bank or had any problems with this Account Plus i was making my Payments on Time and they closed my account without my Authorization or any notification or anything the last agent i spoke to told me he was going to send a message to the head office for they cant replaced my credit card and today XX/XX/2023 am seeing my account closed even on my online banking my credit card account is not showing anymore i had this account open for years. am very fustrated about this. 

My Social Security XXXX : XXXX Card Ending : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Dear CFPB, I am filing a complaint against XXXXXXXX XXXX XXXX, for reporting inaccurate & erroneous information in my credit reports & files. I have tried numerous times to resolve these issues to no avail. In some instances they have agreed to remove inaccurate, erroneous, and outdated information such as the fraud statements and misspelled names and bad addresses and bogus employers, I never worked for. My most recent request to remove the bogus information was XXXX and XXXX of this year. The erroneous information is still in my file although they said it was removed. 

I am also filing the complaint against TransUnion the the same erroneous Public Records information which was not verified and should be deleted permanently. they claim was verified XXXX, but wasn't see attached Opt out letters dated before that date. 

Also the inaccurate employnent XXXX verified 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 2021-09-27
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section XXXX  ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see XXXX XXXX XXXX  et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the XXXX XXXX XXXX Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2019 I entered into an agreement with Vanderbilt Mortgage and Finance , Inc. at XXXX XXXX in XXXX Texas with XXXX from XXXX XXXX XXXX. She nor VMF clearly and conspicously, explained my right to rescission. I have recently discovered other misrepresentations in the agreement which render it void. VMF customer service continues to ignore my requests for information, even so much as refusing to sign for a XXXX letter I sent.

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: Experian Information Solutions Inc.
State: MA
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 Creditor Contact : Not Available add a derogatory mark on my credit report per XXXX  XXXX. Upon farther research, this account balance is incorrect. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: CL Holdings LLC
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:
XX/XX/2017 ( {$3100.00} ), and XX/XX/2017 ( {$1400.00} ) XXXX accounts were opened in my name and the debt was sold to " XXXX XXXX XXXX  ''. I have never opened an account with XXXX and furthermore, I never resided in the states of which they were opened in. The fact that these accounts were opened 8 months apart and this wasn't a red flag to XXXX is beyond me. The two accounts are reporting negatively on my credit report and I am only now becoming aware of them. I've tried disputing these accounts with the bureaus but the debt buyer responds verified with lack of sufficient information supporting the claim. If this debt is in fact my own, I would like the license and social security card on file compared to my own and I can ensure it doesn't come back validated. These accounts are causing me to suffer and I am feeling it is out of my control. Anything that I can do to assist XXXX in resolving this matter, I am open to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
I trust this message finds you well. I am writing to address an issue related to my charged-off XXXX credit card account and its erroneous reporting on my credit report. 

This particular account has been formally charged off, but it is consistently being reported as a 'charge-off ' on my credit report every month. Such monthly reporting inaccurately suggests a recurring negative event, which is not the case. 

As per the guidelines under the Fair Credit Reporting Act, a charged-off account should be reported once, not monthly. The constant reporting of the charge-off is adversely affecting my credit score, which is unjustified.

This ongoing misreporting is severely impacting my financial status and prospects for future credit opportunities. I earnestly request your intervention in rectifying this matter to ensure the accuracy of my credit report. 

Thank you for your prompt attention to this crucial issue. 

Best regards, 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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-05
Company: Comerica
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I went to the ATM in XXXX, New Jersey XXXX XXXX  to withdrawal {$270.00} from my daughter monthly XXXX XXXX  card on that day. Then I realize that the ATM wasn't letting me proceed with my transaction due to insufficient funds. So I was confused because I knew that day funds will be available. I then check my account balance and realized that my money was missing in my account. I was very confused and immediately reached out to the fraud department to report a transaction dispute with a claim. I literally mentioned to the representative that I'm confused on how transaction occur because my card was home with me at the time and date and I clearly didn't make this transaction. I also been told after I filed a police report and submitted my claim and did everything I need to do that there's was nothing they cant do to help me they denied my claim. My daughter bank is with Direct express. They kept denying my claim. So I then decided to do my own investigation to see who can help me in this matter because I never received my money back as of yet. I reached out to XXXX  and they stated for me to reach out to you guys for help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform youthat there is no third party involved in the process. Regardless of the multiple writtenrequests, the unverified accounts listed below are still reporting on my credit report inviolation of federal law. The XXXX/XXXX/Equifax Credit Bureau failed to complywith the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by lawand continued reporting of unconfirmed information which now, given all my attempts toaddress it directly with the creditor, as willful negligence and non-compliance with federalstatutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-26
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
Hard inquiries that are not mines on XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is the last resource that I am taking to try to solve this issue. JP Morgan Chase Bank is reporting a late payment on my credit report from for XX/XX/XXXX on my Mortgage Chase account # XXXX XXXX, highest balance {$530000.00} I am requesting that JP Morgan Chase Bank Mortgage remove the late payment from my record. The reason : that late payment occurred due to a serious health condition of a family member. ( See Attached proof ) My dad was hospitalized on XX/XX/XXXX. The hospital decided to let him go home XX/XX/XXXX but unfortunately, he had to go back to the hospital on XX/XX/XXXX because his health condition got worse. I am the one on my dad 's XXXX. I was under severe taking care of him, and my dad 's XXXX  needed to be XXXX. This has been a very difficult situation and it has had a big psychological impact. 

One month later all this started, I found that I was late on the account. I immediately made the payment but by that time I was already marked late. I have a perfect record of on-time payments since XXXX, date when the account was opened, and this is an account of over {$500000.00}. By the time that all this happened, I had over {$50000.00} in the bank, which was more than enough to make the payment. The late was not because of a money issue or ever worse, because I did not want to pay. 

Again, this was a situation that I could not control. This is causing me health issues myself. This situation is overwhelming, its really stressful. Also, my dad feels guilty because of this. This is causing family issues as well. It was my priority to take care of my dad when all that happened. Again, I have never been late on my account. I believe I deserve to have this late payment removed. 

I hope to have a positive answer. As I mentioned before, this is my last resource. I already checked my credit reports and the account has not even been investigated or marked as disputed. Also, I did not receive any mailed notification when the payment was reported as late. These are three serious violations under the FCRA. I am willing to take this to the next step and let a court decide about my situation. 

Thanks to whomever reads my complaint. 

Please forward attached documents to Chase : - Letter faxed to Chase, which they ignored - Fax confirmation - XXXX Bank statement showing funds - Proof of hospitalization ( letter ) - Pictures of family member hospitalization

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: American Collection Services, Inc. (OK, TX)
State: OK
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 have paid off all my creditors but there are 3 items that are inaccurately on my report that needs to be taken off. I have never had a Title Loan and I have asked repeatedly to show me the Original Loan Agreement with my signature and they could not. They told me they would take it off and still have not. There is a Doctor visit bill for $ XXXX I know nothing about either. I have asked for the Original Bill with signature and still showing inaccurate information effecting my credit score. There is a XXXX XXXX XXXXXXXX as well that they will not let me take off even though it is not mine due to their policy of XXXX. I have asked for Original Bill with my signature and they do not respond. My Credit Report needs to be corrected. Thank you

Company response to consumer: Closed with explanation