BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-23
Company: PRO MORTGAGE ASSOCIATES, INC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I applied with Pro Mortgage back on XX/XX/XXXX. after suppling information needed, I was told by the loan officer that I needed to fix a few things on my credit report and that my score would raise to XXXX and I would be approved for XXXX FHA loan. ( The requirements were completed right away ) I fixed what was needed and indeed my score was over 624. at this point I was given an initial loan preapproval letter in the amount of XXXX. I continued to ask if this was a solid approval I was told not to worry and to star looking for a home. On XX/XX/XXXX I was told by lender that he would order a rapid rescore and not do do anything to change my credit. ( I did not ) On XX/XX/XXXX I was told that rescore had been ordered and they needed debt payoff letter. On XX/XX/XXXX I supplied the letter, on this day I asked if I could be approved for anymore due to the market and current pricing. After employment stubs and tax info, I was then sent an approval letter for XXXX on XX/XX/XXXX as i found a home to make an offer on. On XX/XX/XXXX I reached out to ask about closing estimate without response later I received a call with lender and realtor on the line stating this was a good deal and we are good to go. No further correspondence from the lender to me, until 3 days before closing asking for a recent bank statement for final closing info. I never heard bank from him but my realtor called me at work stating he had forwarded my credit report to her and stated she need to go over it with me there was no way he could approve me and he never reached out to me nor did he ask my permission to give my personal info to her! I then forwarded the email to him asking him to explain what was going on as I had already planned to close and was under the strong impression that we were ok to close. I have yet to hear from home his co worker then send a denial letter to me stating to refund my earnest money. Meanwhile I receive another letter from his assistant or coworker stating to get a co signer and they can still help me. ( after being sent a denial letter ) I have dreamed of this day I worked XXXX hour shifts the whole month securing funds and not doing anything to jeopardize my score. He first lied about the rescore and my report reflects a XXXX point drop for his run on XX/XX/XXXX 3 days prior to closing. I asked my realtor today XX/XX/XXXX scheduled day of closing to submit what was need to get earnest money back as I may now be homeless I put my trust in him to help me. I gave my apartment a XXXX notice and was told it would be rented as it was on a wait list! I got a call that stated I would not be given my money back as the sellers declined due to 10 day window. That I wasn't even given. I am a XXXX  mother of a XXXX XXXX XXXX whom also had her dream of a back yard and pool completely crushed today. It isn't right and I want something done about it. I went from home to homeless in the matter of days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this account on numerous occasions with XXXX, Equifax, & the Creditor ( XXXX XXXX  ). Neither company are properly responding to the dispute and this is my final resort before seeking legal action. 
The account is being reported as a Repossession Inaccurately between XXXX & Equifax. 
To my understanding the FCRA states that the CRA must correct or remove inaccurate, incomplete or unverifiable information in their files. CRA 's must remove obsolete information in their files. Which has not been done. 
The following inaccuracies are being reported on XXXX vs Equifax which are reporting differently : XXXX reports a high balance of {$12000.00} vs Equifax reports a high balance of {$10000.00} XXXX reports a date of last activity/payment of XX/XX/XXXX vs Equifax reports a date of last activity/payment of XX/XX/XXXX ( In reference to XXXX inaccurate reporting the car was repossessed in XX/XX/XXXX so how is the last day of payment after that date for a vehicle that was no longer in my possession ) XXXX reports a Payments status as " Unknown '' vs Equifax reporting a Payment status of Collection/Charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: JPMORGAN CHASE & CO.
State: WA
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:
Scammed numerous times on account pay-ins. Bank fraud informed me they froze my account on the first transaction paid in, but yet allowed numerous payments to be paid in even tho knowing they'd return.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2018-10-28
Company: First Data Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I quit my pt job with XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX. Hired by XXXX, XXXX XXXX in XXXX. I never asked for a paycheck card. The company did this when I wanted to use my own account. I was told it charges alot of fees. Anyway when I quit last month, I asked where was my money. It was on XXXX XXXX XXXX XXXX XXXX XXXX. I got the money but in checking my balanced it said if you dont cancel fees would continue to be charged. So with XXXX left on my card, I called XXXX XXXX to ask XXXX and XXXX to cancel my card. They said they could not. Both sound foreign or something not right. 

My card number XXXX XXXX XXXX XXXX 3 digits on back XXXX XXXX email XXXX XXXX XXXX XXXX, XXXX va XXXX XXXX Why would XXXX provide these fraudulent cards to employees and tell you that you might not get all your money off the card. Online people have lost whole paychecks. so I'm lucky I got my money but why do they need to keep my card active. I dont work for XXXX anymore please advise. Thank you.

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 2023-09-29
Company: Experian Information Solutions Inc.
State: PA
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 am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2022-04-22
Company: Experian Information Solutions Inc.
State: OH
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:
This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

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 explanation
Consumer complaint received 2022-12-31
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XX/XX/2022, I somehow forgot to submit my Mortgage payment to Chase. I have not missed a payment on any bill in over 15 years. On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX that a late payment was reported to my account. This notice from XXXX was the only communication I received about this XXXX payment. The moment I received it, I made the payment and contacted Chase about them reporting this late payment to the XXXX. I was told they would do nothing about it, however, I also work for a large bank. I am well aware that based on the FCRA, Chase needs to communicate with me that I have a missing payment, before reporting it to the Credit Bureaus. I have supplied Chase my phone number, address, email address, XXXX, and any other means necessary to contact me. I have their app, which include secure messaging. During no time between my missed XX/XX/XXXX payment and XX/XX/XXXX when I got the notice from XXXX, did Chase attempt to contact me to notify me that I missed a payment. Had they put in some effort to work with me, I would have made the payment the moment I knew it was not submitted. I make my payments online each month, and can only think that I forgot the final submit step when I went to pay XXXX payment. The payment was made the minute I found out about it. I requested to have this removed from my credit report, and they told me no. This is not valid credit reporting, as there is a violation of my fair credit reporting rights due to a lack of effort on Chase to collect this debt before reporting it as delinquent. I would like this removed from my credit report, for all XXXX reporting agencies. I care about my credit, I just wish my bank would too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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:
The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some items is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: NC
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:
I am a victim of identity theft. I filed a police report and a FTC report and sent it to the credit reporting agencies. They are not processing my disputes correctly according to the FCRA and not attaching my paperwork to the disputes. And I am not getting copies of the verification process

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 2022-12-31
Company: EQUIFAX, INC.
State: PA
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 Bank : # 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 2017-06-26
Company: CCS Financial Services, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We cancelled our insurance with  XXXX   XXXX  on  X/XX/2017   , with an effective date of  X/X/2017   . They sent us a bill for back premium for {$140.00}. We have looked through every bill from them and our bank statements and have paid all of our bills. They told us that we were a month behind, but we have never missed a payment. They have now turned us over to a collection agency, Credit Collection Services.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2021-01-26
Company: Experian Information Solutions 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 information incorrect

Complaint:
Experian just posted that I was late on a payment for XXXX. 

I made my payment and have the screenshot to prove it that will be provided with this complaint. 

My score dropped over 70 points! 

First I paid off my entire balance. And then there were a few charges so I made a payment of {$1100.00} XX/XX/2021 Today is XX/XX/2021 and they said I am 30 days late for a payment. 

How the heck is that possible. 
Its ridiculous. And very much incorrect. This is an important time for my credit to be high because Im getting a house for myself and now with my credit dropping 70 points its making my life XXXX. 

On top of that they still have not done anything about the incorrect collection on my account. This is ridiculous. 

First my credit dropping because of incorrect info about a collection and now 70 points for incorrect late payment? 

Whats going on with 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 explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX Account # 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 2023-10-11
Company: EQUIFAX, INC.
State: NJ
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: TX
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: WELLS FARGO & COMPANY
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/22 XXXX PAYMENT XXXX XXXX XXXX XXXX {$500.00} XX/XX/22 XXXX PAYMENT XXXX XXXX XXXX XXXX {$670.00} Unauthorized transaction. Wells Fargo stopped any additional payments, but denied these claims.

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 2023-10-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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:
Im trying to get approved for my first home and noticed unauthorized inquiries on my report. I contacted all 3 bureaus and they still havent been removed.

Company response to consumer: Closed with explanation