BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: CA
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 XX/XX/XXXX I submitted a dispute to Equifax. In this dispute, I asked Equifax to remove XXXX XXXX Account Number Ending in XXXX  because the information was inaccurate. My dispute stated the date of first delinquency was incorrect and that the account was reporting past its statue of limitation for credit reporting. XXXX XXXX is reporting a time-barred account. On XXXX  Equifax responded to my complaint stating the information had been verified as correct. Equifax did NOT conduct a reasonable investigation and the investigation result details clearly show that. In the Equifax response I received, Equifax is reporting the date of first delinquency being XX/XX/XXXX. They are also reporting that the account was opened on XX/XX/XXXX. There is no way possible for an account to be delinquent before its even opened. For Equifax to show this in their investigation results displays they have not conducted an investigation and didnt bother reviewing the information. This is willful non-compliance and also a violation of my rights under the FCRA. This account needs to be deleted immediately. Ive attached the investigation results in this complaint, highlighting the issues mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
A fraudulent credit card account was opened in my name. I tried everything to find out who did it but did not know who. I then had someone work t fix my credit because I didn't know what to do. I was told to file a dispute with the credit bureaus. They did not remove the account. I filed an FTC report ; the fraudulent account remained. Then I filed a complaint with the XXXX. The account still remains. The company says they are conducting their own investigation, but that is unacceptable, as I have submitted the necessary paperwork to prove my situation. I even filed a police report and this information is still being reported.

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 2022-12-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : $ XXXX XXXX XXXXXXXX XXXX XXXX : {$3000.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$7400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2018-10-08
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt was added to my credit report, that I was unaware of in the amount of {$620.00} acct # XXXX ( Client account # XXXX ) This is hurting my credit negatively and I need this removed as soon as possible and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
I have contacted BMOHARRIS/BK/XXXX also known as XXXX loans with XXXX XXXX in regards to incorrect reporting on my XXXX report. The account has never been late and was paid in full XX/XX/22, however the creditor is reporting as a charge off collection paid in full with the last payment date of XX/XX/2022.I have disputed with XXXX XXXX times I called the creditor XXXX and requested they update. I filed a complaint with the XXXX  with the result being told that they are reporting correctly and not showing as adverse on their end and being referred back to XXXX to resolve. I am in the process of purchasing a new home and this has impacted my score negatively and significantly compared to the other XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
We hold our current FHA mortgage with XXXX XXXX XXXX. We have paid on time since the inception of our loan XX/XX/XXXX. 

We have typically paid via their online portal, despite issues with the portal where the payment wasn't processing, which happens often. We will then log in the next day and try again. 

We have tried multiple times to pay via their automated phone system through XXXX XXXX which for some reason can not process our payments, not due to lack of funds. Just an error with their processor. 

On Friday, XX/XX/XXXX, we made an online payment for the due balance for XXXX. We received no error messages, and we received confirmation of their receipt of payment through a secure message on their website. I am attaching this for your review. Also of note, this is a shorter month with 29 days. 

We were notified a few weeks later through our XXXX apps, that the payment was marked as 30 days late. 

At this time, we called XXXX XXXX XXXX  to dispute the late payment and we were told that we should have paid via the phone system for it to post same day. We told them that their phone system wouldn't authorize our debit card or ACH check as it didn't in XX/XX/XXXX when we tried to use the system while travelling outside the country. Therefore, our previous experiences with the phone system lead us to always pay online. 

They said that since we paid online, and before 30 days, it did not matter because the payment posted to their system XX/XX/XXXX. XXXX stated that even though they have record of our payment on the XXXX of XXXX, they will not update the credit reports to show an on-time payment. 

At this time, we filed with all 3 credit bureaus a dispute of the reported late payment by XXXX, and on XX/XX/XXXX XXXX   investigated and deleted the late payment from our credit files. 

Now we are trying to refinance our home to save money during the pandemic, and we are unable to qualify solely because of this one reported late payment that was actually not 30 days late. 
We have never been 30 days late on any mortgage. 

Please help us to ensure that we are able to hold XXXX to the date we paid the loan and not when it posted for them ; which could be an arbitrary amount of time. 
Attached : payment confirmation on the XX/XX/XXXX Confirmation of increased credit score when XXXX  removed the 30 day late payment. Letter to credit bureaus.

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 2022-12-21
Company: Experian Information Solutions Inc.
State: LA
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:
15 USC 1681 SECTION 602 STATES I HAVE RIGHT TOO PRIVACY.

15 USC 1691 section 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITING INSTRUCTIONS.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2021-06-10
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account as of XX/XX/2021. They have since not been helpful with getting my account unfrozen and delaying my withdrawing. They are asking 180 days for me to withdraw my money from my account. I have sent them pictures of the item that I sold which is a Gpu ( computer part ) and is retailed at {$2400.00} and sold it on XXXX for {$3900.00} as this computer part is very very hard to get. After fees I have {$3700.00} in my PayPal account. My reason for this complaint is that I need my account restored and be able to transfer the money from my PayPal account tp my bank account. My email linked to my PayPal account is XXXX. My PayPal @ is XXXX. Please help me resolve this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 my sixth endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.

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 2022-08-17
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: Account status incorrect

Complaint:
On XX/XX/XXXX, I entered into a lease agreement with XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX. On or about XX/XX/XXXX, I decided to do a lease buyout and purchase the vehicle with a lease buyout loan from my bank. I made my regularly scheduled payment on XX/XX/XXXX as agreed. XXXX XXXX XXXX received the buyout payment from my bank on or about XX/XX/XXXX, and held the funds against my account, but did not apply the proceeds to the lease buyout until on or about XX/XX/XXXX. The lease buyout transaction was completed prior to XX/XX/XXXX. 

In XX/XX/XXXX, I received a notification on my credit monitoring that my score had dropped over 100 points. I logged into my credit monitoring tool and saw new negative information from XXXX XXXX XXXX, indicating that the account was closed and late. I immediately disputed the information and contacted XXXX XXXX XXXX and demanded they correct the information within XXXX hours as I was in the process of refinancing my home. They came through and reported the corrected information with XXXX and XXXX. However, since they did not respond to the dispute from Equifax, Equifax decided to remove the account from my report for XXXX XXXX XXXX 's failure to respond. 

On XX/XX/XXXX, I received a notice from Equifax that XXXX XXXX XXXX demanded that the account be re-added back to my Equifax credit profile. The information that was included in the demand for reinstatement contained wholly inaccurate information, indicating that the account was past due and more than 30-59 days past due, with derogatory comments in the additional information block. I again contacted XXXX XXXX XXXX and demanded they correct the information, they submitted changes, but still contained inaccurate information, and continued to affect my mortgage, and other specific FICO scores. 

At this point, I got into a back and forth with Equifax, XXXX ( the credit monitoring tool I use ), as well as XXXX XXXX XXXX, trying to get the information correct, and all 3 continue to point fingers at each other. I gave up for a while after disputing several times, and then being unable to dispute until recently. 

On XX/XX/XXXX, I was able to submit a dispute through Equifax against the data in my report regarding XXXX XXXX XXXX. On XX/XX/XXXX I received the results, and XXXX XXXX XXXX has doubled down and added more new and inaccurate derogatory information. This is a clear violation on several fronts of the Fair Credit Reporting Act and needs to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX XXXX Account, XXXX Account XXXX XXXX has violated my rights. 

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

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 2018-04-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After calling our homeowners insurance in XX/XX/XXXX to inquire about coverage for recent water damage to our basement, we were informed that our homeowners insurance was canceled in XX/XX/XXXX. We have been without homeowners insurance for the past 10 months and had no knowledge of this. The insurance guy I spoke with said the mortgage company was billed ( due to it being escrowed ) and they never received a payment in return. You would think I would have been notified as well, but that will be another complaint on a different website at a different time. Our mortgage was transferred to Carrington in XX/XX/XXXX from XXXX. During that time, we had insurance all the way through XX/XX/XXXX that Carrington was continuing to escrow from my mortgage payment. However, Carrington failed to renew the policy by making the payment in XX/XX/XXXX.  Because we had no idea our insurance had elapsed, we have continued to make the same monthly payment every single month. Where has all of that escrowed insurance money gone for the past 10 months? Upon calling to find out, I was transferred to many departments, on the phone endless hours, and I still have no answer. I have the escrow analysis report from last year that clearly shows hazard insurance being escrowed and was told by the customer service rep that she can see the same report on her computer screen. I feel as though my loan was sloppily transferred by Carrington, and I demand answers. Carrington has not gone out of their way to help an emergency situation due to my basement being flooded with water from a recent storm/power outage. This is why lenders insure homes, so they are protected and so homeowners have immediate assistance when there isnt an extra pot of money just lying around. Instead, Carrington hasnt confirmed that this home has even been insured for the past 10 months. How scary is that? I also found out after speaking with the Carrington rep that they have us living in a condo instead of the residential property we have lived in for 12 years. Talk about a lack of trust in making sure that your mortgage company will take care of their responsibilities, which ultimately affects the borrower. As soon as this mess is cleared, we will be refinancing with a trustworthy lender who doesnt have a mass amount of negative reviews. How is this company even allowed to operate?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identiy Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identiy Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. The account listed below were opened due to identity theft. I've provided you ( CFPB ) & TRANSUNION with an affidavit & FTC fraudulent report to support my position. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided XXXX VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. I'd like this account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told me I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$1000.00}

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 2022-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Just received a new Alaska XXXX Credit card from Bank of America and have made many attempts to activate the card. Every transactions keeps getting denied. I called Bank of America multiple times and have spend numerous hours trying to resolved this issue. They claim its a security precaution to prevent fraud and asked me to verify all transactions, Ive done this multiple times and they still havent fixed the issue. I called again and was directed to go to Bank of America branch with two forms of ID to be verified. I spent over an hour at the branch and was told my card was ready to be used, it was again denied. I spent an hour trying to get ahold of someone via the customer service line only to be told I had to go back to the Bank of America branch. Im currently XXXX  to California as a member of the military and this is becoming a huge burden, Im getting charged an annual fee for a card I have been unable to use and no one knows how to resolve this issue. Bank of America has the worst customer service

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 2020-08-04
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
im trying to sync XXXX to my bank account it said to file a report so that i can get access to link the 2 programs

Company response to consumer: Closed with explanation