BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently use the online system for New Rez and during the month of XXXX I did not hit submit so my payment was late. Once I checked my account and saw that my payment was late I decided to make an early payment for XXXX because I am working out of state and did not want any issues. So I made the electronic payments online on XX/XX/2022, and paid the amount of XXXX for my XXXX payment and XXXX again for my XXXX payment online through their system. Each installment stated this was the amount due and I proceeded with those payments. I checked my bank account a few days later to make sure the payments came out of my account. On XX/XX/2022 I received an email that I was two payments behind and I called New Rez. I was told that on XX/XX/2022, New Rez sent a letter out to inform me that my mortgage payment was going up in XXXX. I explained that in no way could I have made my two months ' payments and received the letter in the mail the same day. The company never called or emailed me about the discrepancy. I was told since the payment of {$930.00} was not made and I made the payment that appeared online at the time of XXXX. New Rez did not know what to do with the money that I clearly submitted online for my XXXX payment, they applied it to my principal portion of my loan. Never issue the money back to me, calling, emailing me, or trying to get in contact with me. I received a 30-day late on my credit that I have never had a mortgage payment 30 days late in my life. this is unfair and how Americans end up in financial situations we can not get out of. If my payment changed it should have been reflected when I made the XXXX payment online. I paid was was stated that was due at that time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-13
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX XXXX XXXX reported me 30 days late to Experian for XX/XX/XXXX and XX/XX/XXXX. I was not and they were paid of in XXXX. They show me 30 days late each month for XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX to XXXX and I was not and this was corrected and removed and now put back. This account is over 15 years old and is closed and should be removed from my Experian and XXXX report. All that XXXX XXXX XXXX has done is stop my refinance again.

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 2023-05-15
Company: Experian Information Solutions Inc.
State: KY
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:
These companies had no authorization from me to furnish these inquires and In accordance with the Fair Credit Reporting act XXXX the following companies has violated my rights. 
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 15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. 
EVERTHING HAS TO BE REPORTED 100 % ACCURATE, AND ITS NOT.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear CDPB I was instructed by Transunion to send the Internal Revenue Service so that they may attach it to my file. They are in the process of investigating to help me clear my fraud activity from my credit file. I ask that you can send this to XXXX and XXXX as well to attach to my file with hopes that they remove the accounts that I have been disputing. 

This is an official document from the IRS and it gets no more official than this. I am still being plagued with ID Theft. 

Thanks

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 2023-05-15
Company: Experian Information Solutions Inc.
State: NY
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 need this late payment removed from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

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 2022-04-19
Company: Kriya Capital, LLC
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: Reporting company used your report improperly

Complaint:
Credence has called a numerous amount of times about a debt they've bought. I'd already paid this debt to the original creditor and credence is illegally putting this on my credit report. I've asked for a debt validation letter and they have not sent one out, nor did I got anything stating the debt was bought and that Credence would be reporting this on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: CCS Financial Services, 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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Earlier today, we logged into our credit card to check the statement. At the time we discovered XXXX charges, each {$6.00} or less accompanied by {$10.00} fees for each of them. 

Upon further investigation, it turns out that earlier this month, Chase decided to add XXXX to the list of cash advance charges and charged us fees as such. 

This is not something that has ever happened before, there was no communication that was sent out to us as consumers, and if you investigate it even further online, apparently its happened to other consumers as well. 

I reached out to Chase and they refunded XXXX  of the {$10.00} fees and upon trying to push the issue refused to refund, the XXXX  additional {$10.00} fees totaling {$20.00}.

When asking them to provide wh
ere communication was sent out, they were not able to produce it. Do you want one having been a chase credit card holder for many years, to have a change like this occur with no communication is incredibly deceptive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-20
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX @ XXXX. I reached out to the company to inform that I had lost my job due to COVID-19 XX/XX/2021. I wanted to be proactive before my payments were late. I explained I had been doing XXXX XXXX  and XXXX  until I found another position and unfortunately had to max out my credit cards to stay afloat. I informed I had found a position but won't get my full paycheck until after XX/XX/XXXX and asked for the payment to be pushed to XXXX. The first representative was extremely rude and lacked empathy. She offered a repayment plan which would have cost me more interest instead of the extension. I have never been late on my payments even when I lost my job I still made sure my navy federal debit was taken care of but with my wife the only one working we are starting to lose footing and I turned for help but the representative treated me as I was asking for too much by skipping two months. I requested a supervisor so that I would not be rude which was a dead end as the supervisor hung up on me. When I called back he then refused my call stating he was in a meeting. The 2nd representative was a little more empathetic and gave me an extension until XX/XX/XXXX but that still doesn't help my situation just puts me in a more stressful one since every XXXX  I make will be put on the debt and I will be without money until the end of the month. This is not how I envisioned being a member and needing help. It was already a struggle to go from making XXXX per year for something out of your control to driving XXXX  and XXXX  just to stay afloat. And to be treated that way is disheartening when I wasn't in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: MD
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:
Previously, I made an investigation regarding these accounts with inaccurate information and after checking your responses I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX Balance : {$740.00} XXXX  XXXX XXXX Balance : {$550.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$13000.00}

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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, XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX 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 2023-09-21
Company: Healthcare Management, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have medicaid and i should not owe any collections as it pertains to medical that are on my credit report. I've resolved with the courts and have uploaded all the documents that states the collection company is illegally attempting to collect a debt not owed. I need the collections removed from my reports which i've attempted to do many times but have not come off. Please assist in any way you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
There are incorrect names and addresses being reported on my credit. This is illegal and unfair to me because these could be other consumers names and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DPTEDXXXX {$3300.00} XXXX {$400.00} XXXX {$640.00} XXXX {$190.00} XXXX {$630.00} XXXX {$360.00} XXXX XXXX {$520.00} XXXX {$3500.00} XXXX {$640.00}

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 2023-07-29
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Disputed all three bureaus in the last three months and creditors did not correct. 
Loan default and anything that has a negative impact that resulted from the default is not allowed to be reported for loans in fresh start program. XXXX XXXX  now has the loan and has corrected their history. This loan was in default with this lender since 2016.this issue cost us 3 months of not being able to replace our dead car. I will be filing through her or small claims to be made wbole by XXXX  and the bureau

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 2022-12-28
Company: Reliant Capital Solutions, LLC
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : DELETIONS TO CREDIT REPORT To Whom It May Concern : I received a copy of my credit report and I'm disputing some items that need to be deleted. l have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Items : XXXX XXXX Account Number : XXXX Balance : {$260.00} RELIANT CAPITAL SOLUTION Account Number : XXXX Balance : {$1800.00} Reason for Deletion According to the provisions of the Fair Credit Reporting Act '611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within XXXX days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 [ 15 USC ' 1681j ], there should be no charge for this report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: CA
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 am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) to inform the Experian, XXXX and XXXX Credit Bureaus that I have been a victim of identity theft. After conducting some research, I discovered the necessary steps to address this issue. To remove the fraudulent inquiries from my credit report, I need to file an identity theft report with the Federal Trade Commission ( FTC ). You can find more information on this process at their website : https : //www.ftc.gov. According to the Fair Credit Reporting Act ( FCRA ) section 605b, Credit Reporting Agencies are obligated to remove and block any inquiries listed on an identity theft report. I have attached the relevant documents to aid in the removal of this erroneous information that has been posted on my report. Below is a list of inquiries that are not associated with me and were opened without my permission : EXPERIAN : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Also, according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 accordace with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumber rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX XXXX XXXX  Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX  Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX 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 instruction 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 2023-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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 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