BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-24
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed for this problem against XXXX  but now I see that its on equifax and XXXX. On XX/XX/XXXX during a doctors visit for my eyes was declared XXXX  XXXX. I was told by the eye doctor I could XXXX XXXX anymore. Having a car still under finance by XXXX XXXX credit. What am I supposed to do. I reached out and contacted XXXX XXXX credit and informed them I was not allowed XXXX XXXX anymore. XXXX motor credit advised me I could do a self surrender of my car to XXXX XXXX credit. And they would take the car to auction and sell it. If the car sold for more than my loan. XXXX XXXX XXXX would pay the loan off and give me the difference. If the car sold for less thanwhat was owed on the loan I would have to pay the difference. I washed waxed and clean my car and set it back to factory specs. Also to make sure my car was safe and not ticketed or towed by the city government I had my car taken to my cousins house where it could sit in the driveway for the tow truck driver to pick it up. I called XXXX motor credit gave them my cousins address and my cousins husband had the keys for the tow truck driver. I called XXXX credit several times to make sure they got the car. The car was picked by by XXXX and sold at auction. The loan was paid off and the difference sent to me. So I would like to know where XXXX, Equifax, and XXXX  get off liking and calling the car a repossession. How is a car repossessed when I called XXXX XXXX XXXX and agreed to surrender it so it could be sold to pay it off. I XXXX XXXX anymore because Im XXXX  XXXX. I called XXXX motor credit XX/XX/XXXX to confirm it was a surrender. XXXX credit said yes it was a self surrender and if it was called a repossession the credit beurea did it not them. XXXX motor credit is sending me the paperwork they have saying self surrender. So the credit agency made this up. At no time was the car set for repossession. But the credit agencies decided to damage my credit for 4 years by making this assessment on their own. They were not on the phone with me nor XXXX motor credit. And frankly its discrimination against a XXXX person. I dont have the means to even pass the eye test XXXX XXXX. But the credit agency wants to list my car as a repossession. From here Im reaching out to the national foundation for the XXXX XXXX department. Because this is discrimination. Its my fault because Im physically not able XXXX XXXX anymore. So if get XXXX  thats my fault too?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: NV
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:
do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment?

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt XXXX, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- summary Equifax XXXX XXXX Account Number XXXX Original Lender XXXX XXXX XXXX XXXX XXXX Name XXXX Date Assigned XXXX XXXX, 2022 Original Balance {$28.00} Current Balance {$28.00} Responsibility Individual Status Unpaid Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response XX/XX/2022 CFPB Complaint # XXXX XXXX  : XXXX XXXX  XXXX, XXXX ( XXXX XXXX is a collection agency contracted by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX to collect past due accounts. The accounts that XXXX places with XXXX for collection are assigned, not sold to XXXX. All accounts remain the property of XXXX. Upon receipt of this dispute, XXXX requested the supporting documents associated with this account. Upon receipt of the documents and investigation of the claim with XXXX it was determined that XXXX XXXX is an authorized signer for his company, The XXXX XXXX and is not personally liable for this particular matter. Subsequently, XXXX has canceled the account and conducted a removal of the reporting for this specific account to the credit bureau on XX/XX/2022. Please find attached this removal request. 
Closed with explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: ALLY FINANCIAL INC.
State: AL
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 called Ally and they told me I was in good standing with them. So I am not sure why this is affecting my credit score. As you can see on my credit report I having been making all my payments on time. I am in process of wanting to use my credit and with this on my report it will affect me being able to get a good rate. Ally told me it should not be on there. 

In accordance with the fair credit reporting act Ally Inc has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: United Accounts, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Several months ago I saw 2 accounts that this company had on my credit report. So I called them up to ask them to please send me letters verifying the debts. They proceeded to tell me that they can not send me anything because I am not in North Dakota and they aren't allowed to send anything to New York, where I had recently moved. I told them that per the FDCPA they are required to send me verification of the debt, I asked for proof that the debt is mine by sending me something with my signature on it and something breaking down the amounts owed. The woman told me that I am not a debt collector and that she knows better the laws better than me. She then hung up on me. I called her back and reminded her that per the FDCPA she is required to send me verification of my debt. Again she refused and hung up on me. I let it go because I wasn't sure what else to do but it recently has been brought to my attention that I can report them for fraud.

They also repeatedly report these debts I allegedly owe them month after month. I have never seen a collection agency do that. They report the debt every month as if it were a whole new debt and i have noticed the amount goes up a little bit every so often.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 2023-09-11
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, I disputed an {$86.00} charge XXXX forwarded to CSC. I asked them for proof of debt/breakdown of how I owed them any funds on XXXX XXXX, as I cancelled the insurance with XXXX in the allotted 30 days ( XX/XX/XXXX - Cancelled, Policy was taken out on XX/XX/XXXX - effective date XX/XX/XXXX ) and XXXX had already debited by account and later refunded my account for a portion of the insurance. I did not and still has not received a breakdown of the debt/how do I owe XXXX any money. I disputed the charges and asked for a breakdown of the debt on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. On XX/XX/XXXX, I was told by a CSC representative that XXXX responded on XX/XX/XXXX. CSC reported me to the Credit Bureau on XX/XX/XXXX, without providing me a breakdown or any response from XXXX. Again, they reported me to the Credit Bureau one day after XXXX responded and without ever providing me with any information from from XXXX or any information regarding XXXX 's response. I don't believe they have the right to report me to the credit bureau, if this information is in dispute and still today, I have yet to receive the information from CSC or XXXX which supports the debt. When I try to speak to XXXX they state that the debt was transferred to CSC. When I speak to CSC they tell me XXXX states the debt is legitimate. In the meantime, I have yet to receive the information I have been requesting since XX/XX/XXXX and they proceeded to report the collections to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: EQUIFAX, INC.
State: OH
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 am filing a complaint due to errors and fraud on my credit file. I recently was hospitalized for XXXX XXXX XXXX I was out of commission for 6 months bed rest. Someone has been using my ID and SS for accounts and loans. I was looking into doing a refinance on my home when I discovered that I had my information compromised. I have never lived in XXXX GA in my life. My name is XXXX XXXX please delete any other spelling of my name. Please remove the following names they are not mine name : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX The following addresses are not mine:XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX , TN XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, OH XXXX :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 had updated my report and found that this account doesn't belong to me this is really afecting mylife I need this to be fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: NV
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 Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX CCS//First Saving Bank Account number : XXXX XXXX Bank Account Number : XXXX Premier Bank Account XXXX Account Number : XXXX XXXX Progress Account Number : XXXX XXXX Account Number : XXXX Credit XXXX Bank Account XXXX Cash XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX. Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than XXXX years. 
15 USC 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 2020-03-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX ( incorrect date on letter but see fax receipt confirmation ) I sent a fax to Rushmore requesting my PMI to be canceled based on my house appreciation. Rushmore replied explaining that my loan to value had not reached 80 %. 
On XX/XX/XXXX I sent another fax to Rushmore explaining the value of my house now is {$230000.00} and by balance is {$160000.00} putting my loan to value a little over 70 %. Rushmore replied with the exact same answer explaining that my loan to value had not reached 80 %. 
On XX/XX/XXXX I sent another fax to Rushmore explaining explaining the value of my house now is {$230000.00} and by balance is {$160000.00} putting my loan to value a little over 70 % and asking the steps I needed to take to have my PMI canceled. Rushmore replied with the exact same answer explaining that my loan to value had not reached 80 %. 
on XX/XX/XXXX I sent another fax to Rushmore explaining explaining the value of my house now is {$230000.00} and by balance is {$160000.00} putting my loan to value a little over 70 % and stating that I expected them to present me with options or steps to take to have my PMI canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX is reporting several unauthorized inquiries on my account. 
XXXX XX/XX/22 XXXX XX/XX/22 XXXX XX/XX/22

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 2022-11-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX Inaccurate  reporting showing different dates of last activity, also showing different dates of opening and last dates report on all 3 major credit reporting agencies. 
account showing a past due amount of {$490.00}. 
why is this account being reported inaccurately. 
this is a violation of the FCRA section 15 use 1681 2 ( a ) ( 1 ) ( F ) and is also in violation of requisite METRO2 Compliance implemented with the CRSA enacted XXXX  Metro 2 compliance regulations, I have a right to a fair and accurate credit report and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my 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 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My personal information on my credit report is in accurate

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 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The account is reporting that the amount owed was discharged in bankruptcy however the balance owed was paid off in XXXX of XXXX The original creditor was 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 explanation
Consumer complaint received 2023-01-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
For two years now Chase Mortgage servicing has failed to pay our property taxes. The first time they sent us a check with no explanation which we later discovered was due to the fact that they didnt pay our taxes from escrow. When we notified them of a delinquent tax bill they said we should just pay it even though there were already late fees. After almost 4 months of trying to get them to do their job they finally paid the taxes with all the late fees. This first time was the result of a clerical error with the county. This year everything was correct in the county system and Chase sent us a letter saying they couldnt pay our taxes because our parcel number has multiple properties. This was not true and after receiving the letter we called to inform them of the mistake to make sure they pay our property taxes. Now it appears as though they are going to send another check this year instead of paying our taxes and we will have to waste countless hours to get them to complete their legally required job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX, must remove ( never had this acct. ) XXXX XXXX XXXX  XXXX. Inaccurate, must remove ( never had this acct. ) XXXX XXXX XXXX XXXX, must remove ( never had this acct. ) XXXX XXXX XXXX XXXX, must remove ( never had this acct. ) XXXX ( XXXX ) XXXX XXXX. Inaccurate, must remove ( never had this acct. ) XXXX XXXX, must remove ( never had this acct. XXXX XXXX XXXX, must remove both acct. ( never had this acct.

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 2022-03-24
Company: WELLS FARGO & COMPANY
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:
WFDS XXXX Inaccurate, must remove ( never had this acct. ) XXXX XXXX XXXX XXXXXXXX. Inaccurate, must remove ( never had this acct. ) XXXX  XXXX XXXX Inaccurate, must remove ( never had this acct. ) XXXX XXXXXXXX XXXX Inaccurate, must remove ( never had this acct. ) XXXX ( XXXX ) XXXX XXXX. Inaccurate, must remove ( never had this acct. ) XXXX Inaccurate, must remove ( never had this acct. XXXX XXXX Inaccurate, must remove both acct. ( never had this acct.

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 2023-08-27
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX share my personal information with a third party without my authorization. 

They have also voilated my consumer rights granted by Congress. 

15USC1681A 15USC1681B 15USC6802 15USC1605 I have tried my best to work with this firm, but they keep reporting false information on my consumer repair and I want them deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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