BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: LA
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 recently reviewed my credit report and I have noticed several late payments on XXXX XXXX account # XXXX According to the Fair Credit Reporting Act 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 any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Informed XXXX XXXX XXXX XXXX that this was included in bankruptcy.

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 2023-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Deposited {$800000.00} in investor money for commercial real estate with JPMorgan Chase Bank N.A. Now, due to 'bank error '' the money is not available and all the bank can tell our client is that issue is being " escalated. '' Not what the error is, not when it will be resolved, not when the money will be available, nothing. The investors want some guarantee that the money is available for closing and the bank is not cooperating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: AMERICAN EXPRESS COMPANY
State: KS
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:
I saw that some have access to my information and used to apply from companies without my consent and I want to let the company know that Im not the one responsible for it so it shouldnt be on my record

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-07
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Attempted debt validation as of XX/XX/XXXX, company has failed to validate debt and later added to my credit report harming my person. Without debt validation they have refused to remove said debt from my report, it is still showing up and being detrimental to my overall score as of XXXX 2017. Has sent numerous letters attempting to collect debt since XX/XX/XXXX, refuses to remove from my report, and was unable to validate said debt. I have never had a contract with Midland Funding, LLC and therefore do not owe this company a dime!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2023 a letter was sent to Transunion via USPS tracking # XXXX XXXX XXXX XXXX XXXX. They signed for the letter on XX/XX/2023. The letter informed them that an account list on my credit report from XXXX XXXX  was not mine and that they needed to remove the account. On XX/XX/2023 Transunion sent a letter to me via US Mail that said they DELETED the XXXX account from my credit report. I then sent 2 more letters demanding the DELETE the XXXX account and the have failed to do so.

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 2023-09-24
Company: OneMain Finance Corporation
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a follow-up complaint from my two previous complaints ( XXXX and XXXX ). 

A fraudulent actor applied for a credit line with OneMain Financial with my personal information on XX/XX/XXXX. I do not have a relationship with OneMain and never applied for a credit line. 

In the prior compliants, OneMain instructed that I fill out an Identity Theft form and file a police report. I did both of these and mailed the documents to OneMain Financial on XX/XX/XXXX. 

I have not heard back from the company, so I am filing another complaint as a follow up. I am also attaching the identity theft form and the supporting documents, which include my drivers license and proof of residence ( they do not match the applicant 's credentials ), as well as the confirmation slip I received from the police station ( XXXXPD ) after filing the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
An American Express XXXX XXXX back was open today. I found out because I got an email from my credit report that an hard inquiry was made today and the credit card was approved for XXXX and that it was summited online. Contact them to report fraud and they cancel the credit card. Credit bureau told me to make a report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-04-15
Company: EQUIFAX, INC.
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:
This is my fourth 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. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX 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 2022-09-14
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, I paid an alleged of {$150.00} to trueaccord a debt collector in connection with XXXX  formerly known as XXXX. This has been causing undue stress upon me. I have contacted them requesting a refund and I only am receiving automated system and automated emails back. This is a direct tarnishment of my reputation as this information has already been reporting negatively to consumer reporting agencies without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I disputed this XXXX bill of {$66.00} with XXXX XXXX having already disputed with someone else and mailed information to the company proving that I was not in the area at the time they were trying to collect the debt. Nothing happened except they passed the debt to another company. 

On XX/XX/XXXX I received another collection notice from Afni, Inc. only this time they do not give me my rights to dispute the debt and are now trying to collect a XXXX amount of {$66.00} and a notice that they will take a discounted amount of {$43.00}. 

I am attaching a disputed letter to Afni, Inc, disputed letter to XXXX XXXX and a copy of the collection notice from Afni, Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was working for XXXX online company for months and I was issued a check for {$3500.00} for the work I had performed for the company. I deposited the check into my account with Bank of America. I found out the check was not legit, and spoke with XXXX, which was the guy I was working for, told him about the issue and he issued me another bad check. I again submitted to BOA, at this point I had balance on my account for {$340.00}. Bank of America closed my account, and I had XXXX deposits over {$200.00}, which BOA kept, and would not release back to the employer. This all took place XXXX of XXXX, and its now XX/XX/XXXX I can not access my account, and Bank of America has made all this XXXX  charges to take the funds in my account before I deposited any check. I have spoken with several representatives, and every time I have been told a different story. I feel if the checks were not legit, and was not deposit into my account, then I understand not receiving the funds. I am demanding my full refund of my funds that was deposit into my account before and after the deposit of the checks which to my knowledge totaled over {$700.00}.

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 monetary relief
Consumer complaint received 2021-01-08
Company: AmerAssist A/R Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
AmerAssist collection services XXXX, Account Number XXXX has been contacting family members, and left message on their cell phones saying that they, my family members, were named in a lawsuit against me because they share the same address. The matter involves what they say is {$380.00} in debt for braces of which is advertised as offered as a kit on there site for {$25.00} at XXXX. In fact, I am owed an over payment of {$95.00}. They have contacted my brother and mother at their personal cell phones with these threatening calls. I contacted the original creditor who is XXXX XXXX XXXX and notified them that they owe me {$95.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
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:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: AmeriCollect
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a formal complaint against Americollect and XXXX  that continues to report 2 different invalid and unverifiable accounts on my credit report. I have attached a recent copy of my credit report to this complaint. 

I mailed a certified written letter to XXXX  on XX/XX/XXXX and Americollect on XX/XX/XXXX requesting my right to dispute the validity of this debt, both have to date ignore my request. I haven't received any communication from Americollect that validates this debt and XXXX  continues to verify the account stating that Americollect has certified that the debt is valid. 

If this debt is valid, why haven't I received the proper documentation that proves I owe the amount reporting on my credit report. 

Furthermore, I contact XXXX  on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in an effort to have this unverifiable account remove, due to the FCRA stating that if this account can not be verified it must be removed. ( See attached certified receipts ) I understand that our economy is under a national pandemic and staff may be low, but after 5 months, I have no other choice to file a complaint against their negligence and unwillingness to properly investigate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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:
XXXX XXXX I have not done any business with this company since around 2007. I have disputed this account on my credit reports and it's deleted, but then shows back up again as a collections account. This is a fraudulent 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 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to you because I am not getting anywhere with the credit bureaus and collection agency. I feel my rights are violated. On XX/XX/2018, I and XXXX XXXX made a settlement agreement on this date. I told them I need something that states this account will be settled if paid by XX/XX/2018. On the phone, we agreed in {$440.00} on the phone. They were supposed to email this letter that day, but they did not. I had to call them back telling them I did not receive this settle letter that day. Prior to making this agreement, I was paying XXXX dollars a month. I received this letter on XX/XX/2018. That same day, I had my bank to overnight them a check for {$440.00} because this was the amount we agreed on over the phone. They received my overnight check on XX/XX/2018. Confirmation of the transaction from XXXX XXXX is XXXX. I have been going back and forward with credit bureaus. I had to send in at least 4 reinvestigations. Each time XXXX  tells they are reporting accurately. I sent them all of my documents by mail. The documents I am sending you is the same documents I sent them. How could they let this company do this to me? I do not understand if they have my proof why I have to keep calling them and the company keeps telling them this account is not settled.

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 2019-10-22
Company: Experian Information Solutions Inc.
State: FL
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 sent multiple disputes to both XXXX, XXXX and Experian in which XXXX and XXXX are reporting duplicate accounts with different open dates, and balances which is significantly damaging my credit history. These accounts were disputed and also copies of the credit report were sent into to them as well. I asked them for proof that the company even responded to them and for proof of what was used to determine this information was verified as accurate and I have yet to get that information. 

Experian continues to report inaccurate, unverifiable information as well.

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 2022-10-26
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Issue : Wells Fargo will not assert independence to the appraiser used for a mortgage application. The Company refuses to acknowledge compliance with Appraiser Independence Requirements ( " AIR '' ) causing the original home appraisal to be invalid and unusable. 

Background : I paid for an appraisal in full through Wells Fargo- the appraisal was ordered through Fradkin and Associates ( XXXX : XXXX ) on XX/XX/2022 around XXXX and performed on the same day. The appraisal report was provided by XXXX on XX/XX/2022. 

We have requested an appraisal transfer to our new lender, XXXX XXXX XXXX ( as shown in below email ) on Monday, XX/XX/2022 and not received the full documents necessary by Wednesday, XX/XX/2022 ( date of this complaint ). 

As part of this transfer, the Company ( Wells Fargo ) must assert that they complied with Appraiser Independence Requirements ( " AIR '' ), however, they have repeatedly refused to assert their independence. The reasoning provided by the company is that it is against their policy to provide XXXX certifications and provided the following message : " We cant provide an XXXX or XXXX XXXX Requirements per our legal department. The reason for this is an XXXX XXXX is basically a statement that everything is correct per the other lender standards. This is not always true due to other lenders having different policies, which then holds Wells Fargo accountable for anything that needs to be done or changed to their standards. '' However, this assertion that Wells Fargo would be held liable for any prohibited practices concerning the appraisal is wholly incorrect and represents a clear misinterpretation of the regulations regarding appraisal transfers & XXXX XXXX 's. 

It's explicitly stated within both GSE 's selling guides and on the signed transfer letter itself that : " Wells Fargo expressly disclaims any representation, warrant, or certification regarding the accuracy of appraisal information or conclusions of the appraiser, compliance with XXXX or any other applicable appraisal standards, Appraisal Independence Requirements, investor requirements, government regulations, or any other applicable standard, law, or regulation. The Lender is solely and exclusively responsible for evaluation of all information within the appraisal and assumes all responsibility for any use of the appraisal. '' The verbiage above unquestionably indemnifies Wells Fargo from any adverse events regarding the appraisal, XXXX certification included. As a result, their unwillingness to provide this independence assertion has caused delays in the mortgage closing process, requiring contingency extensions, and has caused for us to pay for an additional appraisal that should be otherwise unnecessary.

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