BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In the   XXXX   of  XXXX  and again in early  XXXX  Experian experienced a database glitch that deleted my Experian Inquiries. Once the glitch was realized, Experian added them back to my report. I have placed a freeze and fraud alert on my account. I was not given written notification 5 days prior to it appearing back on my report. computer glitch was Experian 's problem - not mine - caused my inquiries to be deleted. Experian later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted Experian in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add a hardship and that your rights were violated by Experian. Please CFPB help me make Experian stop victimizing me.I am asking that all of my Experian inquiries be deleted permanently from my report as a violation took place when they were illegally added Also the correct spelling of my name is   XXXX   XXXX   and Experian has repeatedly will not correct my 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 non-monetary relief
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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: Credit inquiries on your report that you don't recognize

Complaint:
There are numerous inquiries on my credit report that were not authorized. I have not ran my credit in the last 3 years except for my application with XXXX XXXX  in XXXX of 2022. This has caused my credit score to drop and my interest rate to raise on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: NC
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 previously disputed the attached XXXX XXXX bankruptcy, docket # XXXX with Experian. See Exhibit ( A ). I specifically requested the METHOD OF VERIFICATION that was used in their investigation, as well as the documents they obtained to verify the bankruptcy, pursuant to the Federal Fair Credit Reporting Act 611 ( a ) ( 7 ). See Exhibit ( B ).

Their response to my request was, ( THE COMPANY THAT REPORTED THE INFORMATION HAS CERTIFIED TO EXPERIAN THAT THE INFORMATION IS ACCURATE ). Experian not only failed to provide the METHOD OF VERIFICATION, after contacting the Bankruptcy Court, it is clear that the courts DO NOT report information to Experian or ANY other credit reporting agencies, for that matter. See Exhibit ( C ).

I need clarification as to whom or what third party ( if any ) CERTIFIED and provided such information to Experian. A copy of the certified letter or communication would suffice. 

It is a fact, that third party agencies such as XXXX, are sellers of consumer information. It is a fact that credit reporting agencies, like Experian, purchase consumer information from third party agencies. It is a fact that bankruptcies are filed with the courts and NOT the credit bureaus. See Exhibit ( D ). 

US Bankruptcy courts are NOT furnishers of information 's, which means that Experian 's results would be considered FALSE REPORTING, which is a direct violation of the Federal Fair Credit Reporting Act 611 ( 15 U.S.C. Section 1681 ), and this information must be DELETED immediately.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error 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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute two items on my credit report : a charge off account from XXXX XXXX with the account number XXXX and a charge off account from XXXX with the account number XXXX. 

Upon reviewing my credit report, I found that these accounts were reported inaccurately. I do not believe that I owe the reported amounts, and I have not been provided with any documentation supporting the reported debts. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report and to receive an investigation of the disputed information. Additionally, the FCRA requires that information on my credit report be accurate, complete, and verifiable. 

I am requesting that these accounts be investigated and verified by the credit reporting agencies. If the accounts can not be verified, I request that they be removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

initial dispute XX/XX/2021 round one letter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a mortgage refinance ( XXXX XXXX  ) on XX/XX/XXXX. As part of the closing, the closing company ( XXXX  ) sent a payment of {$1100.00} to the XXXX  of XXXX for XXXX XXXX property taxes out of the closing costs that I paid upfront to XXXX, leaving a " cusion '' of {$1000.00} in my escrow account. 

Within a month of closing, my loan was sold to Chase bank. That same month, Chase bank erroneously used the remaining funds in my escrow account to send a duplicate payment to the XXXX of XXXX for XXXX XXXX taxes, causing my escrow acccount to go negative. 

Now Chase has completed an escrow analysis and indicated a shortage, which is largely the result of not carrying over the escrow balance into XXXX as they should have done. Chase has now increased my monthly payment by over $ XXXXmonth to account for the shortage. 

They are claiming that it is my responsibility to request that the XXXX of XXXX refund the double payment to me, which I must then pay to Chase toward the escrow account. As the XXXX of XXXX has already applied this double payment to my XXXX XXXX taxes, this does not seem like a likely scenario. 

Chase made the error, and now I'm supposed to either pay for it or jump through hoops for the slight possibility of getting it corrected. In the meantime, I was warned that if I do not make the payment for XXXX, which I have disputed, I face late fees and negative credit reporting. 

At a time where consumers like myself are facing unprecedented financial hardships, we should not have to bear the burden when a global megabank makes an error. The threat of additional penalties just adds insult to injury. Chase must take whatever steps necessary steps to correct my payment ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Despite my attempts to clarify the validity of these debts with XXXX XXXX XXXX XXXX XXXX XXXX they have failed to provide any documentation confirming the legitimacy of the reported charges. Upon reviewing my credit report, these accounts are incorrectly marked as charged off with a balance due. I kindly urge you to provide proof of the charge-off status for these accounts. If you can not provide such evidence, I insist on the immediate removal of these accounts from my credit report. XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX. Please remove these fraudulent accounts in my credit ASAP. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim.

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 2023-05-04
Company: Experian Information Solutions Inc.
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:
In accordance with the fair credit reporting act the list below has violated my federally protected consumer rights to privacy and confidentiality 15 U.S.C 1681 Section 602 15 U.S.C 1681 Section 602 states I have right to privacy 15 U.S.C 1681 Section 602 also states a consumer reporting agency can not furnish information without my written instructions No consumer reporting agency may make no consumer report containing the following Adverse items or information please see list below of in accurate information Dept of ed/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting Act Bank of America has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04
Company: NAVY FEDERAL CREDIT UNION
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I informed the company to stop and decease the constant calling they start from XXXX till XXXX. 
My history in my phone only goes back to XX/XX/XXXX all the way through till XX/XX/XXXX. I do have them blocked but they somehow get through to my voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I traded in the vehicle that I had financed with Bridgecrest at the XXXX dealership that I purchased my new car from on XX/XX/2021. XXXX sent the payoff check to Bridgecrest and they received it on XX/XX/2021. Due to Bridgecrest claiming theyre are behind in processing and applying payoff checks, they have yet to apply the payoff check, that they received on XX/XX/2021, to my account. Meanwhile, they are calling me daily from their collections department requesting that I pay the carnote on the car that has been traded in/the car that they have received payoff check for nearly a month ago. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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: Was not notified of investigation status or results

Complaint:
Update the late payment remarks as soon as possible because I was never late in 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 2023-03-02
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There was a credit card opened in my name and the last name is spelled wrong. I have used XXXX XXXX  to dispute {$3200.00} credit for the last 4 years. This is Fraud due to the fact that the purchase were made in XXXX XXXX and it is 80 miles from my home. I have been receiving letters from Midland Credit Group and phone calls. They even have in the notes that I have been disputing this and now it is back on my credit report and receiving letters from this company. 

XXXX XXXX Midland Credit Management 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 2022-11-04
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in forbearance due to covid. It ended XX/XX/2022. I am in the process of applying for a modification. I have had to send the app twice. I called on XX/XX/XXXX to check on status and make a mortgage payment and was told i could not make a payment and that my house was already under foreclosure. I was not even late on a payment so to prevent me from paying my mortgage and placing me in foreclosure putting me in an even worse situation is unbelievable. Noone called to follow up like they said they would. It is now XXXX and my modification app is still pending. No idea when that will be done and noone has called to speak to me about it. I cant access my account online. There is no true system in place to help anyone. THEY WONT LET ME PAY MY MORTGAGE. I WAS NOT EVEN LATE YET. NOW I AM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking accounts were closed without giving me justifiable cause and they don't want to open personal checking accounts for me and they also don't want to open business accounts for me and I have an employer identification number ( EIN ) that the IRS assigned to me, preventing me from starting to operate with my business which contributes or is a cause of recession, if I can not have a checking account they are preventing me from meeting my financial obligations and paying my debts.

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 2023-03-01
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: Information belongs to someone else

Complaint:
It is credit reporting agencies duty and responsibility to report and furnish accurate information to a consumer file in pursuant 15 usc 1681s-2 ( b ) ( 1 ) ( D ) and make sure all items are reported accurately.. They have failed to comply with the requirements and didn't report fair, equitable and accurate data.

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 2023-08-31
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
PNC closed my account and did not notify me. I receive direct deposit into this account which is used to pay my mortgage and have to wait due the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On Thursday,  XX/XX/XXXX , Chase shut down all of mine and my wife 's credit card accounts (  XXXX  in total ) without any prior notice and we were sent notice a few days later that they will be shutting down our checking and savings accounts on XX/XX/XXXX . After repeated attempts to contact the bank, all of the supervisors have been either unable or unwilling to provide any insight into the unilateral account closure. The only explanation they shared is : '' The banks exercised its right to shut down your accounts. '' After conducting further online research, we connected with more than 10 other account-holders that experienced similar unexplained account closures within the past year. So far, the only common denominator we 've been able to uncover between our accounts is a religious affiliation. We are all  XX/XX/XXXX . At this point, absent a further explanation from the bank, we have been forced to conclude that our accounts were unilaterally closed for reasons relating to religious discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Acount Name : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states that I have right to privacy. 15 U.S.C 1681 section 604 Scetion 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 pf convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation