BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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 2023-11-06
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DP OF EDUC XXXX Balance Owed : {$4300.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: LA
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:
Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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:
The name of the Fraudulent financial institution is " XXXX XXXX XXXX " This account was opened by somebody else without my knowledge on the XX/XX/2021. 
The Balance on this account is {$5100.00} I have made many attempts to resolve this fraudulent issue with the bank. However they disregard my claim since the fraudster used all of my personal information. I have filed a complaint numerous times with the federal trade commission. This is my last attempt before getting attorneys involved. Please help me remove this account from my credit bureaus.

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 2023-11-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have requested to XXXX to validate and verify the negative account they are reporting on my personal credit profile, including providing an acknowledged agreement and transaction history of how that balance was calculated. They have refused to provide this or any copies of documentation verifying this account, yet they have been willing to put this unverifiable debt on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
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:
The name of the Fraudulent financial institution is " XXXX XXXX XXXX " This account was opened by somebody else without my knowledge on the XXXX XXXX, 2021. 
The Balance on this account is {$5100.00} I have made many attempts to resolve this fraudulent issue with the bank. However they disregard my claim since the fraudster used all of my personal information. I have filed a complaint numerous times with the federal trade commission. This is my last attempt before getting attorneys involved. Please help me remove this account from my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Kriya Capital, LLC
State: WA
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:
I cancelled my XXXX XXXX account and returned my equipment XX/XX/XXXX. I kept getting billed for the amount of the equipment, even though I had already returned it. It wasn't until late XX/XX/XXXX that they finally credited my account ( I have the return receipt to prove it was returned ). During this time, XXXX XXXX sent the bill for {$140.00} to collection. When they finally credited my account, I contacted XXXX XXXX to check my balance. I was told my account had a XXXX  balance and the agent suggested the {$2.00} had been written off. They were not even aware my bill had been sent to collection. 
When I contacted Credence, with the assistance of XXXX XXXX, Credence argued that the entire balance of {$140.00} was an outstanding debt. The only amount that may have been outstanding was the {$2.00}, which I paid at that time, even though XXXX XXXX told me I owed nothing. 
I have appealed this negative record on my credit report and Credence refuses to remove the {$140.00} that I never owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Last year XXXX of XXXX I sent a dispute to Agency requesting an investigation into this account that was reporting wrong information and they sent to me saying the information was verified. On XX/XX/XXXX I sent a dispute by mail to Experian regarding this account that was still reporting the error showing a late payment for the account that was Never late asking for them to re investigate and to send me the method of verification that was allegedly given. Today is XX/XX/XXXX and I was NEVER notified of the status of the investigation nor given verifiable proof of late payment as I requested. I also contacted the original creditor and upon my request by phone and mail they were not able to give me proof of a print out of my statements, payments made or my payment history nor did they give me the original contract as requested. I feel I am being bullied! This account was paid in full, and the alleged month that I made a late payment was my last payment to complete the full payment of loan. I did not make sure ALL my payments were on time to get to the last payment to not pay. My account was up to date and paid on time every month up to that point. I had my debit card connected to my account on autopay so there is NO way I could have had a late payment as shown on my account. Again I completely paid off this account with NO late payments or derogatory marks. This account is incorrect and erroneous. At this point I am very frustrated as I am being taken advantage of by being misrepresented by this Credit Reporting Agency of my effectiveness and ability to pay back my debts and obligations on time and I have worked hard to keep all my accounts in good standing. This is unacceptable! Please help me with this situation before I have to spend my time and money seeking litigation for monetary compensation that's owed to me by federal law for this misrepresentation and unwillingness to investigate into this matter properly. This incorrect information being reported is a hinderance as well as not true I demand that it be corrected. I also stated my information was involved in the Experian data breech and could be the reason my information is represented wrong, either way I just would like to represented correctly when it comes to my payment history for this account.

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 2020-09-14
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9100.00}, {$4700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

-- CLOSED ACCOUNT -- 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
XXXX credit Bureau makes it their intent to keep you from talking to an individual pertaining to fraud on your account. I called XXXX ( XXXX ) to be treated with hello please give us your social security number so I can look you up. Now that sounded like fraud not stating who you called instantly asking for your social security number. Then youre told by a computer you can not talk to a person. How can you call in and dispute items if the credit bureau refuses to acknowledge your existence outside of a computer? Then I called XXXX which said call the computer line which will not allow you to address issues with a live person so they can understand what you say. I Then called XXXX. Again no person to discus the issues of fraudulent activity on my account. I have several payments Ive been trying to dispute but it says to call in, why to talk to a computer that caint understand what youre saying? Ive got a large amount of fraud to dispute from unsolicited credit card, hard and soft inquiries out like XXXX  XXXX and XXXX XXXX which has made almost XXXX hard and soft inquiries. XXXX  with XXXX also has posted un requested inquiries. XXXX does not accept banks that are not national, XXXX sells their credit services but prevents the consumer from being able to upgrade their credit report because now they dont recognize the bank you use. XXXX, Transunion, and XXXX all need revamped to where they take care of the consumer not barricade the business behind the bureaus to violate the consumers and help perpetrate fraud on your account to reduce your score to increase business interest rates.

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 2023-03-08
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2017-12-01
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They would call three times a day for a month after I submitted {$100.00} towards the account. Credence Resource Managemet ( CRM ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I believe my bank, XXXX XXXX XXXX, is in violation of the Homeowners Protection Act of XX/XX/XXXX regarding the cancellation of PMI. According to this act, the law requires home mortgages signed on or after XX/XX/XXXX to automatically terminate PMI once the homeowner reaches 78 % LTV, or gains 22 % equity in their home, based on the original property value ( lesser of purchase price/appraised value ). The HPA defines cancellation date as, at the option of the borrower, either : ( 1 ) the date on which the principal balance of the mortgage is first scheduled to reach 80 percent of the original value of the property ( regardless of the outstanding balance ), or ( 2 ) the date on which the principal balance of the mortgage reaches 80 percent of the original value of the property based on actual payments. 


On XX/XX/XXXX, I made a {$3000.00} payment to my principal. The bank did not apply it to my principal. I called and on XX/XX/XXXX, they corrected the mistake ( this is documented with them ) and backdated the principal payment to XX/XX/XXXX. 

At that point, my principal balance reached 80 % of the original value of the property based on actual payments. According to the HPA, my PMI should have been automatically cancelled. I called and spoke with someone at M & T on XX/XX/XXXX to ensure that it would be cancelled ; I was told that paperwork would be filed. 

On XX/XX/XXXX, my monthly mortgage bill was automatically deducted from my account as always ; I saw that PMI had been deducted. I called M & T again and was told that this was because the mortgage was in arrears and that the PMI would be removed for the XX/XX/XXXX payment. 

On XX/XX/XXXX I received a letter from the bank stating that my PMI Waiver was approved and that I would receive an escrow analysis within 60 days. 

On XX/XX/XXXX, M & T again withdrew PMI. I called today, XX/XX/XXXX, and was informed that the paperwork for PMI takes " awhile '' and so during the interim I would have to continue to make the PMI, but that my XX/XX/XXXX payment would not deduct it. I was told I would not be refunded for the PMI they took out after the cancellation. 


If I understand the HPA correctly, the date of termination should have been XX/XX/XXXX and, at that point, the PMI should have been canceled. I understand that it was in arrears, but M & T 's claim of " paperwork processing time '' seems to be in contrast with the HPA 's wording of " automatic cancellation. '' I believe that M & T is acting fraudulently, and that I am protected under the HPA act. I suspect that other consumers are being treated unfairly, as well.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
After the good faith adjustment was honored and reported to remove all negative impact reporting to all Credit Bureaus ( TransUnion, XXXX XXXX XXXX ) there was a new inaccurate XXXX late pay reported to the bureaus for XX/XX/XXXX. I paid off this account in full in XXXX of XXXX, the account has been closed since XXXX and my good will letter was honored to remove all of the previous negative reporting but a new XXXX late pay was added for XX/XX/XXXX. I am in the process of buying a house and this inaccurate reporting can cause me to loose the house of my dreams as well as be homeless because I have already given notice to move out of my current home. I need this inaccuracy corrected TODAY and reported to the Bureaus so that I can complete my homebuying process. I cant wait until the next reporting on XX/XX/XXXX, I need this corrected immediately. I truly appreciate your consideration and thought to my situation in advance. I have attached the written requests sent directly to the creditor as well as the statement sent to me showing last payment date, {$0.00} balance owed and account closed.

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 2022-04-15
Company: JPMORGAN CHASE & CO.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am both a Chase credit card and Chase checking customer. I make payments to my Chase credit card from my Chase checking account. Chase immediately reduces my available funds in my checking account by the payment amount on the day I instruct the payment using their online banking service, however, they delay applying the payment to my credit card until the next business day. 

Most recently, I made a significant payment of {$6400.00}, which again, was not applied until the next business day but was deducted from available funds the same day. Interest accrued would be {$2.00}, which while trivial, occurs whenever I make payments. 

My complaint is that the funds are always within Chase. Their failure to credit my credit card balance, while they have debited my checking balance, is simply rewarding themselves at my expense. If I were to pay an external card with Chase checking funds, I would expect those to be immediately debited even though it may take 1-3 days for the ACH payments to be credited to another financial institution. But this funding one side of the same bank ; there should be no delay and no additional accrual of average balance interest. 

Please contact me if more information is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Asset Management Outsourcing, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to Nation Recovery 1. Validation of the debt is the acutal accounting 2. Verfification of a signed invoice 3. A copy of the contract binding both parties ( Me and them ) in a letter by a certified mail so that there is an independent witness to it having been delivered.

However According to 15USC 1692e, 15 USC 1692d and 15 USC 1692B Not use any language or symbol on any envelope or in the contents of any communications effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communications relates to the collection of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Experian Information Solutions Inc.
State: AL
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:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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