BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: WA
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:
On Thursday, XX/XX/XXXX, I submitted a dispute to a company called XXXX regarding a recent report provided by them to a potential landlord that evidently included information that shows that reasonable procedures may not have been followed to assure the accuracy or lawfulness of its gathering or distribution. I called XXXX today, XX/XX/XXXX, to inquire further about about the dispute process. Despite the screening report they provided claiming they received their information from Experian only, the agent I spoke with claimed they were waiting on input from XXXX to proceed. Considering the inclination these XXXX bureaus have to go hand in hand, I have reason to believe XXXX has this inaccurate information as well. 
In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected rights to both privacy and confidentiality as enumerated in 15 USC 1681 ( Section 602 of the FCRA ) and The Financial Privacy Act of 1978. Further, in what I've found so far, their actions have violated 15 USC 1681a ( k ), 15 USC 1602 ( p ), and 18 USC 894. 
These violations have directly caused my access to housing to be denied. Considering how badly people need homes and homes need people, this has been deeply damaging to my life, livelihood, safety, and happiness. 

Names Reported : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

These credit furnishers have violated my rights, and restrain trade in violation of 15 USC 1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 ( a ) ( 2 ) that a consumer reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681s2 ( a ) - Duty of furnishers of information to provide accurate information. 
( XXXX ) Prohibition ( 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.

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 2022-07-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I bank with Chase bank, and on XX/XX/2022 i went through the drive thru service to withdraw {$8000.00} from my savings account. The teller did not ask how i wanted my bills ( as accustomed ) and she proceeded to give me all types of change from {$100.00} 's to {$50.00} 's to {$20.00} 's. I counted the money while in line and proceeded on my way ( no transaction receipt was provided to me ). During the week i tried to deposit that money to another bank and the bank will not take 1- {$100.00} bill. On Wednesday XXXX, when I had a chance i called the bank where i received this money but i had no luck reaching anyone. It wasn't until Friday XX/XX/XXXX that i had the time to stop by the bank to try to handle this issue ( thinking they would take care of me ) but instead they did not take responsibility for this. Instead they told me why it took me so long to report this bill back to them and that the only thing they could do was to send the bill to the " federal reserve '' and have them re-issue the bill to me. I followed up with them today XX/XX/XXXX ( 2 weeks later ) and now they are saying the secret service in XXXX TX is looking in this. I am in awe as how this is being handled and never have i EVER dealt with issue like this in any other bank institute. This XXXX XXXX was given to me at Chase in XXXX XXXX TX and the way they handled the situation with me is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have been going back and forth with this Company Transunion about removing a Bankruptcy on my credit report that is not accurate or belongs to me. They keep stating that it is verified by XXXX and the court system and I have already submitted documentation from both sources that state they did not verify that information with them. I just recently sent them a letter stating that per the fair credit reporting act they have to submit me proof and documentation with my signature or any contracts that indicated this account is mine. They then indicated that the letter was not acceptable but then I called and spoke with a Supervisor that stated he was going to submit the dispute for me over the phone indicating that I need written documentation showing proof that this account belongs to me. By law they are suppose to submit that information to me within 30 days of my dispute and if they do not then they have to remove it.

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 2021-06-09
Company: BCA Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Presented to XXXX hospital as directed by health dept for covid testing XX/XX/2020. There were no tests but based on symptoms that were still unclear and not uniform for most of the public, I was deemed not to have covid based upon my reply to the question whether I had contact with and infected person. Since there was no testing, I'm not sure how I would know that so my answer was how would I know if I was exposed as no testing is available. 

The physician stated that i do not have covid but stated he could give me a XXXX XXXX for what I assumed was a diagnostic test to determine if XXXX had signs of XXXX XXXX. 

I was later billed for the testing, that I understood to be covered by the cares act. I was told ( despite my medical records ) that i did not present for covid testing so I am liable for the cost of the visit. I was financially blackmailed until I paid a lesser amount and was avised that this reporting would be removed from my credit report. once paid, i got a receipt but they refused to remove the acct from my bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XXXX oXXXX XXXX, while navigating the CIti Bank app to make a payment I was offered a lower minimum payment ( {$99.00} ) promo to help me with the high minimum payments. The deal seemed great as I was vulnerable and going through financial difficulties. Keeping in mind I didn't initiate this myself or call for assistance, I wasn't aware that by accepting lower minimum payments Citibank would still be reporting underpayment to the credit bureau on the minimum payments. It therefore caused me irreparable damage to my score and all while unbeknownst to me I'm thinking I am meeting my monthly obligation. It makes no sense to me because I wouldn't need a " plan '' to underpay my minimum payments I could do that all on my own and still affect my score if that was my intention. I tried to reach citi bank and managed to speak to XXXX reps and both agreed with me that they felt sympathy for my scenario as they didn't agree with citi bank business practice. I believe and prepared to say that this a sly, conniving, deceitful way of offering relief of late fees while still reporting it to credit department as late payments. This has caused me and my family heartache and financial stress. Please help rectify this misrepresentation, and frankly terrible business practice.

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 2021-11-30
Company: Experian Information Solutions 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:
I mailed in a copy of my FTC report showing fraud on several accounts. I submitted the FTC report to all three bureaus ( Experian, XXXX, XXXX ) and none of the accounts have been removed or updated from my current credit reports. They are in direct violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

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 2023-10-26
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: Reporting company used your report improperly

Complaint:
After checking all three of my credit reports I noticed on all reports it showed this account that I have with this credit card company was a pay to delete account that I requested and also upheld my end of the arrangement by paying off in full over two years ago in counting. Not only did the credit company update the account as paid and closed they DID NOT remove this account off NONE of my three credit profiles with XXXX, XXXX and Equifax and this account was also charged off meaning they were made twice for this account, once by me and the other by IRS. I also never received my 1099 in the mail for this debt that has been paid twice for this account XXXX that has been paid for already. In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 15 USC 1681-602A states I have right to privacy. 15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: Mr. Cooper Group Inc.
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The borrower on this loan is deceased. The estate has the property under contract, but is unable to get it sold because the lender refuses to provide a payoff. The lender has been provided the letters of administration appointing XXXX XXXX the administrator of the estate, and a signed authorization for the payoff numerous times, first on XX/XX/23, and again on XX/XX/23 on their specified form and then at least four times after said date. Despite this, the lender keeps claiming that XXXX is not authorized on the account and is refusing to provide the payoff. The estate is now at risk of losing the sale because it can't close without a payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: MS
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:
FCRA violations : inquires not mine XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Apartment complex XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Single family XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FCRA violations : payments never late XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$170.00} Status Account charged off.

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 2022-02-04
Company: Upgrade, 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: Was not notified of investigation status or results

Complaint:
I sent in my police report and my XXXX affidavit to the XXXX credit bureaus XXXX and XXXX XXXX XXXX department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these collection agencies. They then deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then XXXX accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. The fraudulent account reporting is as follows UPGRADE INC XXXX Date Opened : XX/XX/2017 XXXX also has has all these names on the file that has nothing to do with me XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX H XXXX XXXX XXXX XXXX XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy XXXX accusing me of hiring a third party to submit a dispute on my behalf that is completely untrue. Enclosed is the letter I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2022-05-20
Company: AMERISAVE MORTGAGE CORPORATION
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Amerisave Mortgage - Trying to get PMI cancelled with now having 20 percent home equity based on my houses assessed value from the county. 

XX/XX/XXXX called in to request PMI cancelation. 
XX/XX/XXXX no letter received, requested another letter to be sent XX/XX/XXXX no letter received, requested letter to be faxed and mailed, they didn't have record of sending me requesting a fax XX/XX/XXXX no letter received, fax/mailed to be sent requested again. 
XX/XX/XXXX, they said they are now reviewing the PMI removal and to call back XX/XX/XXXX but would fax me a letter which now I am not sure what the letter they are trying to fax is about. They said the letter was mailed on XX/XX/XXXX too which is what?? 
Now the supervisor is saying it cant be faxed and now that it will take another 3 days to send the fax but will put in a request to have it faxed to see if the escrow department will fax it, it will take another 3 days to fax. 
Going to call in again on XX/XX/XXXX just to see what they say. They are purposely delaying and lying for sure!!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Rausch Sturm LLP
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Complaint Against : Rausch Stern XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX bought a debt of mine from XXXX XXXX XXXX XXXX XXXX XXXX 
I received notification that the balance was {$2400.00}, but Rausch Stern never would confirm amount of original debt. 

Prior to XXXX, I made payments against the debt totaling {$1100.00}. 
( XXXX payments of {$250.00} and 1 payment of {$400.00} ) - I was unable to make payments during the height of COVID.

Rausch Stern moved to garnish my wages in XXXX and in XXXX, XXXX received a garnishment payment in the amount of {$1200.00}. At this time, Rausch Stern reported to my employer that the account was paid in full. 
( Payments, including garnishment equaled {$2400.00} against an original debt of {$2400.00} ) Today ( XX/XX/XXXX ) 2 months after reporting the account as paid in full to my employer, Rausch Stern garnished an additional {$860.00} from my wages, under the same case number for XXXX XXXX XXXX XXXX XXXX  and is again reporting the original / full balance as due. 

To date I have paid Rausch Stern {$3200.00} on what was reported as an original balance of {$2400.00} ( even though I assume the actual debt amount was much lower before being purchased by Rausch Stern ). 

After speaking with XXXX XXXX XXXX Rausch Stern, they will only agree to report my account as disputed. I feel I am owed the {$860.00} that was taken today, XX/XX/XXXX and I need an assurance that they can not just report this account as unpaid every few months, leading to my wages being garnished.

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 2023-01-24
Company: EQUIFAX, INC.
State: NC
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 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 ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : # XXXX, XXXX  ( Original Creditor : XXXX XXXX ) : # XXXX, XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX NC ) : # XXXX, ( Original Creditor : XXXX XXXX ) : # XXXX, ( Original Creditor : XXXX XXXX XXXX XXXX # XXXX, ( Original Creditor : XXXX XXXX ) 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: AL
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:
Hello my name is XXXX XXXX. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

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