BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: Experian Information Solutions 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:
To Experian XXXX XXXX When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX 2 standards For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. 
Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.

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 2023-01-06
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I stayed at a hotel on XXXX to XXXX. There was 2 holds placed on my account for {$99.00} each. On XXXX Amex Serve went and processed a separate transaction for the total of the bill and charged me {$170.00} on too of the funds on hold. This overdrafts my account and I had to use the money in a subaccount to bring my account to current. My cardholder agreement states that when a transaction is completed that any funds on hold will be made available. They won't acknowledge 1 of the holds and won't return the hold of {$99.00} for 30 days. I need that money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: EQUIFAX, 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:
I recently received a copy of my ( XXXX, Equifax or XXXX ) consumer report, and I noticed that it is reporting my experience with XXXX XXXX. 

I Sent letter informing them the line of credit I have with there company, which is characterized as utilization on my consumer reports IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

XXXX XXXX is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) XXXX XXXX  that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
XXXX XXXX HAS VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
I advised XXXX XXXX they have 10 calendar days to update my utilization to 5 % or below and or delete all utilization from the consumer reports concerning my account. 
Failure to respond satisfactorily with deletion or update of Utilization to 5 %, will result in legal actions being taken against there company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character 2.Negligent Non Compliance 3.Civil Liability XXXX Anguish 5.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: NJ
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XX/XX/2022 https : //service.transunion.com/ I successfully logged into my account but requesting a report is broken, 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 non-monetary relief
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent to Transunion Credit Bureau. However, any modes of response or coordination were not taken on their end. Failure to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the accounts reporting on my Credit Report : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance {$750.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXBalance {$4900.00} XXXXXXXX XXXXBalance {$0.00} XXXX XXXXBalance {$790.00}

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 2021-12-28
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A collection account from Creditors Bureau Associates was placed on my Credit on XX/XX/2021. I immediately filed a dispute with XXXX only to find out that Creditor Bureau Associates was collecting a paid in full debt from XXXX XXXX XXXX XXXX. 

Subsequently, during the dispute process, a representative from Creditors Bureau Associates by the name of XXXX XXXX contacted me on XX/XX/XXXX. I explained to XXXX XXXX that this account and any other balance due to XXXX XXXX XXXX XXXX was paid in full via a settlement in XXXX of 2021. XXXX XXXX asked for proof which I forwarded to her an email from XXXX XXXX, XXXX Supervisor, at XXXX XXXX XXXX XXXX. 

I had not heard back from the agency but on XX/XX/XXXX, I received notification that my dispute with XXXX was complete and the account was verified. Not sure what that means but I had already sent the proof to the collection agency that it was false and should have never been forwarded to them. 

The agency then proceeds to add the same invalid collection account to my XXXX credit report as well. 

I attempted to call on Tuesday, XX/XX/XXXX after receiving further documentation from the collection company showing proof of the two payments I made in XXXX of 2021. One payment on XX/XX/XXXX in the amount of {$300.00} and another payment on XX/XX/XXXX in the amount of {$100.00}. 

The agent I spoke to transferred me to a supervisor where I ended up having to leave a message with no callback. 

I will be filing a complaint with the credit bureaus as well for allowing inaccurate information to be placed on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Like many others, I pre-paid a portion of my XX/XX/XXXX municipal property taxes ( in my case totally {$11000.00} ) to cover the first half of XX/XX/XXXX, fully expecting that the bank handling my escrow and mortgage payments, Fifth Third Bank, would refund me the money in a timely manner in XX/XX/XXXX by reducing my total monthly mortgage payments. THIS STILL HAS NOT HAPPENED. I have been on the phone with them multiple times ( when I first contacted them asking them what I needed to send and by when before XX/XX/XXXX ; in a follow-up on XX/XX/XXXX where I was told things were in process ; on XX/XX/XXXX when I was AGAIN told that I'd receive an adjustment by " the end of the week '' ; after they inexplicably stated they needed further proof that I pre-paid my municipality on XX/XX/XXXX ( at which point I sent it again ) ; on XX/XX/XXXX when they told me the escrow re-evaluation was " in process '' and would take 6 business days, after which I would simply NOT pay the property tax portion of my monthly mortgage payments on XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX to make up the extra money they had ( which DIDN'T happen ) ; and finally today - XX/XX/XXXX, when I was told that the escrow was only NOW being looked at, and because so much time had gone by they would need to wait until the next re-evaluation period in XXXX to even TELL me how much of MY MONEY I would get back. I am largely self-employed, and pre-paying {$11000.00} IN ADVANCE was already painful enough. But being told in repeated conversations that the MONTHLY payment WOULD be adjusted in a timely manner appropriately downwards, only to find that I STILL have to pay them the total {$4500.00} mortgage payment anyway thus far on XX/XX/XXXX ( as expected ), but also on XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX ( and beyond ) is killing me here. How long does it take for them to do a simple calculation : making note that I pre-paid and then re-adjusting to give me my money back? It's bad enough that I had to do this in the first place. But this now feels very much like they are deliberately delaying and holding onto my ( and I'm sure many other people 's ) money, perhaps to enjoy the interest gained ( similar to XXXX XXXX - who incidentally ALSO were recently forced to pay me back over {$1000.00} including interest of a rate lock extension fee they weren't supposed to have charged when they originally handled our mortgage ). Please tell me you can do something!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 
The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX Opened Date XX/XX/2015 Balance {$23000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2021 I started to sell one of my properties and was told that a lien was placed on my property by an attorney 's office representing XXXX XXXX XXXX, XXXX. During the process I discovered an account was opened that was due to fraud. XXXX did not handle the matter in a timely fashion thus causing the real estate deal to fall apart. It took them several months to right their wrong when I had proof to show it was not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have submitted numerous letters to Trans Union, XXXX and XXXX  over the course of 3 months with no response/no change.They are reporting inaccurate information on my credit file. Chapter XXXX which is still reporting over 10 years ( ref # XXXX credit file ) and Chapter XXXX which is still reporting ( ref # XXXX ) dismissed without prejudice on XX/XX/2018. Under the FCRA and federal trade commission law/statue these items should have been removed ( inaccurate ). XXXX XXXX ( ref amount {$1000.00} ) fraudulent account. I have submitted documentation from federal courts and letter from the company stating this account does not belong to the individual with no response or change from the all 3 credit  bureaus. The public records on my credit fille/report should have been removed after my letters and documentation. I have exhausted all resources that this time and am looking for help to correct this information/situation. I would greatly appreciated your help regarding 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 explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: IL
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:
There are plenty of incidences of noncompliance with mandated reporting criteria, thus the data in my report isn't accurate and comprehensive! Having stated that, I refute your claims and challenge you to show me that you have the authority to release this inaccurate, misleading information to my credit report.

15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You're violating on my rights! In this document, I've outlined my worries regarding your reporting. You must certify that all required FCRA/Metro 2 compliance is done truthfully, correctly ( in a timely manner ), completely, and accurately as well. If you don't, I will have to escalate these concerns to the CFPB, FTC, and my Attorney General. It's incomplete and doesn't meet my standards as required by law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: Resurgent Capital Services L.P.
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:
I have reached out to LVNV Funding and sent them a cease and desist. I also requested specific documentation from this company which i have yet received a response. LVNV funding is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Valor Intelligent Processing, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has called multiple times asking for someone I dont know each time I tell them I dont know this person and inform them to please stop calling my home. Today I answered and tried to say hello multiple times after I said it three times the lady on the other end said I SAID I WAS CALLING TO SPEAK TO XXXX, ARE YOU _______ to which I replied no because Im not. To which she proceeded to be extremely snarky. And I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602p. BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY. Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4

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 2023-06-16
Company: Mr. Cooper Group Inc.
State: NC
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:
Mr Cooper has ALWAYS auto-drafted the correct mortgage payment amount, ON TIME, each and every month. I have bank statements to prove this ( {$950.00} amt ). 

XX/XX/XXXX, XXXX rec 'd a Mr Cooper system msg the payment was made, on time ( {$950.00} ). Unbeknownst to me, they attempted to pull {$970.00} on XX/XX/XXXX AND XX/XX/XXXX, as well!!! 

In XX/XX/XXXX I was told XX/XX/XXXX was NOT paid, so I was automatically removed from their auto-draft system ( not informed of this on the msg system I knew about ). Was told XXXX & XXXX were not withdrawn, either, so I needed to make 3 pmts to be current, which I made ( totaling $ XXXX ). When asked why this occurred, response was : " We switched our pmt processing firms so that was problem. '' " Will this be reported to the credit agencies? '' I asked. " No. Not at all. '' " Will I be charged any late fees? '' " No. '' " Okay. '' XX/XX/XXXX while trying to apply for loan I learn these WERE reported to credit agencies! I notified Mr Cooper immediately. After 2 weeks, I rec 'd a letter denying it was their fault! I again BEGGED for this to be corrected as it is costing me THOUSANDS of dollars in a higher mortgage rate, fees, etc.

Company response to consumer: Closed with explanation