BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-03-10
Company: EQUIFAX, INC.
State: NY
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:
n accordance with the Fair Credit Reporting act XXXX Accounts DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$2000.00} Date Account Opened - XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$5500.00} Date Account Opened - XX/XX/XXXX Date Account Closed - XX/XX/XXXX DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$4500.00} Date Account Opened- XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$2600.00} Date Account Opened- XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$2600.00} Date Account Opened- XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: SN SERVICING CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I had fallen behind on my Mortgage Payments earlier this year because I was sick with XXXX  and had extreme XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and had to cut my hours at work. I started to work with a Mortgage Assistance Program in my city : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX and this summer I received an award letter saying a payment of {$6000.00} was made on XX/XX/2023 and my Mortgage Company : SN Servicing Corporation XXXX XXXX XXXX XXXXXXXX XXXX  XXXX has said they never received the check or hasn't applied it to pay my mortgage arrears as of today XX/XX/2023. I had to file for bankruptcy to stop my home from being foreclosed on and I'm in the process of getting my case confirmed, but the Mortgage Company is refusing to post this payment to my account. The Mortgage Assistance Program has said the check was never returned to them and it hasn't been cashed yet. I would like to know why they are refusing to post this payment to my account to cover my mortgage arrears.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
My records associated with the account BANK OF AMERICA with account number XXXX do not complement with what the Credit bureaus may claim as a " validated as accurate ''. A charge-off should show a XXXX  balance, remove the amount that is showing. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment to BANK OF AMERICA but I did not receive what I asked and these violations persist on my credit report.

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 2023-09-20
Company: U.S. BANCORP
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I notified US Bank that a transfer of {$11000.00} was not authorized by me on XX/XX/XXXX. A claim was filed by US Bank, and I received a letter dates XX/XX/XXXX that the claim was denied. I requested the documents, which they mailed to me. I made calls to US Bank XXXX XXXX department to assist me in getting my money back. I made many phone calls to US Bank to dispute that this transfer was authorized by me. I called on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. Each time I called US Bank told me to call XXXX XXXX, as an account had been opened in my name at this bank, and this is identity theft and XXXX XXXX  is responsible for returning the {$11000.00} to me. I made several calls to XXXX XXXX  and they informed me that US Bank had filed the claim incorrectly, and therefore they are not responsible for returning the money to me. On XX/XX/XXXX I called US Bank fraud liaison and told them the claim was filed incorrectly, they told me they submitted the claim correctly. I received a letter stating they received the claim and I sent back another affidavit. I called back a week later to check on the status, and they stated they did not hear back from XXXX XXXX, and XXXX XXXX  still had business days to respond. I never heard back, and called back again. I was told the claim was denied, and I would have to get the money bank from XXXX XXXX. When I called them on XX/XX/XXXX they stated they did not receive the the XX/XX/XXXX claim from US XXXX, so they could not refund the money. They stated if US Bank could prove the claim was submitted, they could review. They stated that 60 days had passed and it was too late to submit a claim. They stated US Bank would have to refund the money. I called US Bank again, to see if they would send the XX/XX/XXXX claim to XXXX XXXX. They stated they would not, they submitted the claim correctly. The identity theft was at XXXX XXXX, amnd I would have to contact them again, as they needed to submit the claim for identity theft.

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 2022-04-27
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2021 I refinance my mortage from Homepoint financial to XXXX. 

The main reason of refiancing was to lower my interes rate which did to XXXX and to pay of the florida partial laim of XXXX withc i was told they did. 

Apprently Homepoint did not send the payment of my partcial claim. 

Please I need your help how can they lie to me above something like that. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX was in charge of my refinacing. 

something is not right. 

thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: EQUIFAX, INC.
State: OK
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:
XXXX  continues to report a charge off from 2015 on my 3 credit bureaus in excess of {$1100.00}, I have disputed this with all 3 bureaus and the company over the phone and in writing. The account was taken out online and they do not have any proof it was me. No copy of my drivers license or signature. I did not take out this account. I have done all I can to get the situation corrected. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Bread Financial 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:
In Pursuant to 15 USC 1681a ( 2 ) ( B ) Anything with my credit card which defined in TILA is my SSN should be excluded from my consumer report. This is hurting my lively hood and I cant apply for anything. I am demanding that you remove this account from my consumer report In Pursuant to 15 usc 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include. ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Furthermore they used misleading means to attempt to collect an alleged debt, In pursuant to to 15 usc 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 


XXXX XXXX XXXX Re : Notice to Cease and Desist To Whom it May Concern ; NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is in reference to the Consumer Report sent by your Company via mail dated XX/XX/2022. 
While checking the above report, it came to my notice that your Company has furnished an account on my report. 

In pursuant to 15 USC 1692a ( 2 ), the term " XXXX '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums. 

Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 
Thank you for your cooperation Sincerely, Delight-Tracy : XXXX, XXXX ALL RIGHTS RESERVED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: Ridge & Valley Realty, Inc.
State: CO
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:
I provided documentation to both XXXX and XXXX regarding a collection account that XXXX XXXX XXXX XXXX turned over to Credit Systems for collection, which in turn filed a collection account against my credit report. The documentation includes a receipt for payment of my half ( actually more, I paid {$200.00} when obligated for {$200.00} ) in the amount of {$200.00} as well as XXXX 's statement explicitly stating that XXXX XXXX, a mutual client of XXXX who sold us the dog, is obligated to pay the remaining balance. The agreement was made with XXXX prior to it providing its service and once XXXX defaulted, XXXX disregarded our agreement and wrongfully turned it over to collections against both me and my wife who never signed anything. 

Various online disputes and phone calls to both XXXX and XXXX between XXXX and XXXX have gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: DISCOVER BANK
State: GA
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:
I contacted them the day the charge was put on my statement, which was on XX/XX/2023. I asked them to freeze my card, they did, but they money was pulled out anyway. I asked them again XX/XX/2023, to dispute the charge, they put a temporary credit on the account and then reversed it in favor of the 24-7 towing. I told them they never came or preformed the service. They told me because of the cancellation policy 24-7 towing had they validated the charge in favor of them. I never received a confirmation number from the 24-7 towing, only a text asking me if I cancel the service, and I relied " Yes ''. I asked them for a confirmation number and I never heard anything else. I told this all to Discover, but they voted in favor of this company. I asked for the invoice from 24-7 towing sent them and Discover never sent it. They told me to file a complaint with GA State Attorney 's office. So I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized used of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are two inquiries on my credit report that I did not authorize nor had any prior knowledge of their existence. Please see below Unauthorized inquiry creditor : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Bureau : XXXX Unauthorized inquiry creditor : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Bureau : Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: JPMORGAN CHASE & CO.
State: IN
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:
For the last 2 months the balance reported from JPMorgan Chase has been incorrect. One payment of XXXX was made XX/XX/XXXX. I was given a payoff of XXXX which was paid XX/XX/XXXX. Chase then renigged on the payoff balance after giving me the quote over the phone not one but twice leading me to believe that late fees would be waived. While on the phone the XXXX, a payment was made at a local branch of XXXX and immediately once they saw the payment in the system they transferred me to a different department and told me they were not waiving late fees and refused to close the account til i paid {$280.00}. As upset as I was, I did pay the final payment of {$280.00}. This payment was made the XX/XX/XXXX. 

I filed a dispute and XXXX did not even fact check and deemed the balance accurate. Even though when you called the number to verify the balance owed as of XX/XX/XXXX, the automated system told you the final payment was made of {$280.00} and the account was now closed. I called XXXX and explained this on XX/XX/XXXX. They told me the case will continue til Chase verified the amount owed. I wake up XX/XX/XXXX to an email saying XXXX checked this and the dispute was closed and I still owed {$1500.00}. Transunion did not accurately investigate and closed the case without doing a thorough investigation. This loan is paid in full and needs noted as closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: MO
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:
The credit companies, Equifax and XXXX are not complying with their own policies in a timely manner. XXXX has reinserted a account that was removed off my credit report under a different name called XXXX collection services this from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Yesterday XX/XX/XXXX I went into purchase from Lowe 's and was told my line was decreased by {$5000.00} mind you, I have been with this company since 2000 and have paid in full many times never ever going 30 days past due, so i called as i was in the store and was told by a woman in another area of the world that i could request credit increase missing my point entirely. Then was transferred to a supervisor who had no clue really what my complaint was just to say it was my score that they determined and was made on XX/XX/XXXX after explaining my issue that I have been with them for over 18 years I was told there was nothing he could do ... and was he very basic, monatone not understanding SO i then asked for another supervisor and was told that he could not do anything except escalate what i just told the the last supervisor which makes no sense, do they even understand what i was asking for? I know for a fact that credit companies can make decisions to turn the line back on, extend and reinstate just like that. I do NOT believe that they can just pass the buck and act like I am nothing after paying over {$50000.00} + to them- I guess what I am saying is if goes by credit do they not look at the history with them on my credit? I will be taking my business elsewhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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:
I have disputed several errors on my credit report with Equifax. I have sent several certified letters over the past year and Equifax continues to disregard my request to provide the method of verification. In accordance with FCRA, Section 611, I continually requested for information to be review for completeness and accuracy. I made this request via sending multiple certified letters requesting that they provide : 1. The name of the original creditor.2. The creditors address and telephone number. 
3.The person 's name they verified the dispute with. 
4.The documentation used to verify the dispute. 

For these accounts : XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX  ( XXXX ). 

I dont understand how these accounts could come back verified when the information reported by the bureaus clearly dont match one another. 

My latest dispute was sent on XX/XX/2022 and it was received by Equifax on XX/XX/2022. I attached the certified tracking receipt for reference ( XXXX ). Unfortunately, even after providing Equifax proof that the items were inaccurate the accounts came back as verified once again. 

I am understandably very frustrated that this has happened and can not believe that Equifax has allowed these inconsistencies to remain on my credit report. I have spent hours diligently reviewing my credit and outlining inaccuracies. I have also spent a lot of money getting my disputes notarized and certified. I have impeccable record keeping and I have been very gracious in giving Equifax ample time to remedy the errors in question. This lack of correction has put me at a disadvantage and has cost me valuable opportunities that require good credit in order to qualify. 

I am now asking the CFPB to intervene and help me rectify this situation. It is unacceptable that Equifax has not removed these inaccurate items. It is well within my right to request that the items in question be deleted and removed from my credit profile. With your help, I hope to see the items in question deleted in a timely manner. 

Thank you for your attention to this matter and I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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