BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
( For History, please refer to closed complaint : XXXX Opened on XX/XX/XXXX Closed on XX/XX/XXXX ) On XXXX, I received a letter from CFPB that XXXX had resolved the dispute with monetary relief. My XXXX Statement from XXXX was all zeroed out. I was credited for the amount listed as late payment On XX/XX/XXXX Experian Credit Report, everything else regarding XXXX account is resolved except : XXXX card status is listed as Negative because late payment for month of XX/XX/XXXX still appears Report says, By XX/XX/XXXX, this account is scheduled to go to a positive status I complained to Experian, and they responded that the matter had been resolved, however it has not. The XXXX, XXXX report still lists the late payment and that it will be resolved by XXXX/XXXX. 
Experian ( Credit Reporting Agency ) is not in compliance with the FCRA. The account status needs to reflect that there were NO late payments because the balance listed was XXXX error. XXXX acknowledged this in a letter to me on XXXX XXXX This should not be affecting my credit because it was an error they acknowledged and corrected. 
My credit report needs to reflect this NOW, not XXXX. 

FCRA 611 ( a ) ( 6 ) ( B ) ( ii ) specifically requires that the Notice of Results of Reinvestigation, which must be sent within 5 business days after conclusion of the 30-day reinvestigation period, must include as part of its content a revised copy of your credit report showing that they have actually entered the correction/deletion into your file/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 2022-03-21
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX U.S. Department of Justice Civil Rights Division XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, D.C. XXXX RE : ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX Director Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX XXXX IA XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX Dear Friend ; Please assist me in obtaining a release from my current excess PMI requirement. I requested the removal of the PMI about 45 days ago. I was not contacted or visited by XXXX or the new mortgage servicers PNCXXXX XXXX appraiser . I was not contacted by an appraiser. When I called PNCXXXX XXXX for an update on my Primary Mortgage Insurance I was informed that the request was declined.

The parties involved have committed consumer fraud. They are charging PMI for an unfair profit. The current OPEN DOOR offer for the home is {$430000.00}. The current loan amount is lest than {$300000.00}. 

PROOF AND EVIDENCE OPEN DOOR APPRAISAIL Selling Offer {$430000.00} Status Expired Expiration date XX/XX/XXXX aboutOpendoor Brokerage TREC  : Information about Brokerage Services |Consumer Protection Notice California DRE # XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX The OCC , Board , FDIC , NCUA , Bureau XXXX and FHFA ( collectively, the Agencies ) are adopting a final rule to implement the minimum requirements in the Dodd-Frank Wall Street Reform and Consumer Protection Act ( the Dodd-Frank Act ) to be applied by participating States in the registration and supervision of appraisal management companies ( AMCs ). The final rule also implements the minimum requirements in the Dodd-Frank Act for AMCs that are subsidiaries owned and controlled by an insured depository institution and regulated by a Federal financial institutions regulatory agency ( Federally regulated AMCs ). Under the final rule, these Federally regulated AMCs do not need to register with a State, but are subject to the same minimum requirements as State-regulated AMCs. The final rule also implements the requirement for States to report to the Appraisal Subcommittee ( ASC ) of the Federal Financial Institutions Examination Council ( FFIEC ) the information required by the XXXX to administer the new national registry of AMCs ( AMC National Registry ). In conjunction with this implementation, the FDIC is integrating its appraisal regulations for State nonmember banks and State savings associations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: AXOS FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have three mortgages with Axos Bank ( primary residence and 2 rental properties ). They have repeatedly place expensive hazard insurance on each of my properties although I have always had insurance and have submitted proof repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: STATE EMPLOYEES CREDIT UNION
State: VA
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:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX/XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions 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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX  # XXXX - IDENTITY THEFT POSSIBLEXXXX  # XXXX - IDENTITY THEFT XXXX XXXX XXXX # XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Hello my name is XXXX XXXX i had a checking and savings account several years.ago ... that i know was.closef due to the bank not being fare to there custumers and charging ridiculous.fees.on.my account..the years tjat this happened wad.between XXXX to 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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 received a notification that there was a delinquent account added to my credit report that is not mine from XXXX XXXX XXXX XXXX I have no record of this account and it is fraudulent. Balance shows {$760.00}.

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 non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I had an auto loan and we were charged an outrageously high amount for XXXX coverage then literally watched others pay very little for more coverage. The vehicle ultimately ended up being repossessed bc a lot of fees were incorrectly applied and charges were ridiculously high compared to other banks.

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 2023-01-20
Company: JPMORGAN CHASE & CO.
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 loan with JP MORGAN CHASE & CO. HOME. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
JPMCB HOME XXXX Date Opened : XXXX Balance : {$270000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: TRANSWORLD SYSTEMS INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice through my credit monitoring service that a change to my credit information had occurred. Upon investigating, two debt collection activities were identified against my credit by XXXX   from Transworld Systems , Inc. ( TSI ) on XX/XX/2018, one in the amount of {$2000.00} and the other in the amount of {$71.00} with the accounts listed as " N/A. '' I have not received any other notification about this debt, and my credit history has been outstanding, with nothing to which I can attribute this debt collection action. I believe this to be a fraudulent act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Mr. Cooper Group 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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
SETERUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Mr. Cooper Group 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 loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX Date Opened : XXXX  Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX Consumer, natural person, living person is giving written instructions to XXXX to remove and cease furnishing any and all reporting activities in regards to the accounts above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX Consumer, natural person, living person is giving written instructions to XXXX to remove and cease furnishing any and all reporting activities in regards to the accounts above.

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 2022-03-21
Company: TD BANK US HOLDING COMPANY
State: TX
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:
Between XX/XX/XXXX and XX/XX/XXXX I applied for an automobile loan. The dealership sent my credit application to several lenders each time without my direct consent. I have called the lenders and none can produce a signed application for credit with their companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon reviewing my credit report with all three XXXXcredit bureaus I was informed that I have late or missing payments which I do not owe, and have been reported for more than a year as deliquent. Attempts to get written verification proved unsuccessful as the complaintant stated, " they did not have to prove anything to me. '' I am trying to purchase a home and this situation is preventing that from happening due to FALSE information being listed on my credit reports.In other words, this debt is NOT mine! 

Please assist so that I will not have to pay for legal help in this matter.

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
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.

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 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 2018-01-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Paid mortgage with a check. XXXX would not accept my check because it was not the exact amount due. They did not tell me they would not accept the check. XXXX eventually mailed me back my check and marked me as a late XXXX I paid early with a check. I tried to pay more than my current mortgage payment to lower the debt. XXXX did not cash the check. XXXX mailed the check back a month later with a letter stating o can only mail check for exact amount due and Im not allowed to pay ahead. They took too long to tell me causing me to pay pay after due date. They should have cashed my check or called or sent check back earlier. So now I have a late payment showing XX/XX/2017. I should not have that. I tried to pay and pay ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Kriya Capital, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource Management has been harassing me and fraudulently popping up on my credit report for the last XXXX years. I have disputed and resolved it with XXXX XXXX time already, on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. I am currently disputing it again. The calls are relentless, its becoming harassment at this point. The original creditor, XXXX XXXX XXXX XXXXXXXX, has no record of me or this account in their system. I am at my wits end and I need help, desperately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax has been sent several proof of validation letters, even certified mailed. Which as a consumer I have the right to get a copy of how an item was verified as accurate on my credit report. It's a violation of the FDCPA for a debt collector to refuse to send a validation notice or fail to respond to your verification letter in 30 days, if proof is not submitted within 30 days the item should be removed. Which I have never received a copy of how this verified, because they are wanting to ignore the laws of The Federal Trade Commission as well. If Equifax has provided proof to me before this complaint please attach a copy of dated prior to this complaint. this company has only sent stall tactic letters stating Verified but no proof attached. 

I am disturbed that you continue to list the Bankruptcy as confirmed. I aware that you receive your information from a third party verification known as PACER. This system is sometimes not accurate because of the limitations of providing a complete Social security number The FCRA mentions nothing in section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief " Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemeed non existent, It is only fair that in accordance with with Section 1681 ( a ) ( 5 ) of the Fair Credit Reporting ACt you delete this from my credit report and send me an updated copy.

Considering it does not require an investigation, I would appreciate your response with 3-5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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:
This is my continued request that I have been a victim of identity theft and seems like no one seems to care, that I want to dispute specific records in my credit file that do not belong to me or have an affiliation with me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1500.00}

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