BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: MN
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:
After recently being denied a loan, I decided to download my credit report and noticed some inaccuracies. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 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. 
These inaccuracies are stopping from the ability to obtain new lines of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I deposited a check in the amount of {$410.00} in my Chase account. However, for some reason they refuse to release it until XX/XX/23, and they've been charging me all sorts of fees despite the account being in the positive. This is unethical and against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Experian Information Solutions 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:
This is my 3rd request that I am a victim of identity theft and I complain to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
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 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 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently paid off a collection account with an agreement that upon receipt of the payment, a " pay for deletion '' would be sent to the credit bureaus. It has been over 60 days and this account is still showing on my credit report. This account was paid in full XX/XX/22. I have attached the receipt of payment and the letters I have sent to the 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 2020-12-26
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Close to XXXX XXXX was taken from me from someone having my personal information and using a bank account to receive unemployment benefits from beginning of XXXX to late XXXX I have contacted this bank stated that I did not do those transactions and dont even live at the address the bank account was opened under its in totally different city and zip code as well as the transactions only being atm withdrawals no other transactions I think its ridiculous I have made dispute form sent it to the bank and I have even sent them a police report stating the incident with the best information to my knowledge either the bank doesnt believe me or they are just trying to play me like a fool and not doing their job as a bank to thoroughly investigate before giving a no error status I have been dealing with this since XX/XX/XXXX and no one seems to want to give my money back even though it says my money is FDIC insured up to XXXX but they cant see that someone used my identity to get money that wasnt for them and had access to the bank account as if they were me. I have been able to recover access and get back into account and use card normally but thats after a few weeks of calling back and forth to get a response I dont believe the bank is fully investigating and they are just assuming what they see is correct but do they not understand this is a pandemic and everyone is trying to get money these days including stealing peoples info and getting things that they were not supposed to get similar to my situation. I desperately need this dispute to be resolved I have a family and bills and so much stuff to handle I cant keep dealing with this stress making it harder not knowing if Im gon na get my money back or 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 monetary relief
Consumer complaint received 2022-11-26
Company: BMW Financial Services NA, LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Greetings. I have had a total of seven leases with BMW and never had a problem. My last lease from XXXX was paid in full. I went to buy a new vehicle in XXXX and was told I owed BMW XXXX from a previous lease XXXX. He made absolutely no sense because each time I turn in a lease I get a new vehicle the same day. I purchased a new vehicle since that lease from bmw. I did not have supporting information with me in person so I pay the amount they said was old and figured I will dispute this with my documentation I have at home. BMW sent an email in XXXX of XXXX via PDF that clearly states I have a XXXX balance it is attached below. Once I found the documentation in my email I began contacting BMW about a dozen times. Each time I was met with belligerence, disrespect, rudeness by XXXX XXXX. For some reason I kept getting the same person and he outright refused to give me a supervisor or anyone in Upper management. This continued for months. I finally spoke with XXXX XXXX in XXXX she verified the XXXX balance and sent me supporting information to dispute the amount with credit bureaus and with BMW. I have disputed the information and had my bank refund me the amount. Since then BMW has intentionally attacked my credit three times. Each time they report this as a collection my credit score drops and at this point it's been a total of XXXX points. Additionally on the credit report it clearly shows each time they reported it to collections. They have not tried to make any type of resolution and each time they have a XXXX  male contact me he is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would like to file a complaint I would like this to be resolved I would like my credit to be restored. I have had excellent credit for over 25 years and this is intentional. I do not owe a debt as the documentation I have from them via PDF clearly states there is a XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: AmeriCollect
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
According to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Americollect Inc. via the CFPB case number XXXX on XX/XX/2022. ( attached ) In the process of the disputed amount of {$510.00} ( totaling 4 accounts. ) Americollect Inc flagged my credit files on XX/XX/2022 for {$450.00} ( 1 of the 4 accounts. ) Please be advised that prior to my initial complaint on XX/XX/2022 Americollect Inc ignored my certified validation notice and their accounts were not reporting to my credit files. 

on XX/XX/2022 and XX/XX/2022 Americollect Inc., violated my H.I.P.P.A rights with itemized statements from XXXX XXXX XXXX XXXX containing my private medical information. I have not received any medical services from Americollect Inc. I am not a party to their agreement with XXXX XXXX XXXX XXXX. 

The itemized statement supplied by Americollect Inc was delivered before it was requested. ( Proof provided in Americollect Incs letter dated XX/XX/2022 ) Due to the business relationship with Americollect Incs medical clients ( stated by XXXX XXXX XXXX Americollect Inc uses unverified processes to violate consumers such as myself. 

I have not received any statements ( an unmarked envelope with XXXX XXXX XXXX XXXX, WI XXXX ) as stated in XXXX XXXX reply via the CFPB portal. Instead Americollect Inc flagged their account on my credit files. Americollect Inc did not supply contact information from XXXX XXXX XXXX XXXX or state why a debt was owed directly to Americollect Inc instead of XXXX XXXX XXXX XXXX. 

Americollect Inc did not request the three major credit bureaus to update their records to reflect my dispute, instead my credit files were flagged in the process of the dispute. 

I was unaware of a medical balance with XXXX XXXX XXXX XXXX. As stated in my complaint. I have contacted XXXX XXXX XXXX in the medical billing department of XXXX XXXX XXXX XXXX. 

Please see the attached itemized medical statement provided by myself with payment receipts. Americollect Inc are not holders in Due course please cease and desist. 

I will keep the CFPB updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX Balance : {$890.00}

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 2023-02-16
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2023, I contacted Exxon Mobil to see why I couldn't use my gas card. The representative stated that they decreased my credit limit from {$800.00} to {$300.00} and she said that they sent a correspondence that conveyed that on XX/XX/2023. I asked her on what grounds did they decided to reduce my credit limit? Her response was because I was less than 30 days making a payment. I told her that there were three problems that I had with this. 1. ) I never received the letter from them. 2. ) They are supposed to notify me 45 days in advance before they are to take action. 3. ) I have never heard of reducing a credit limit for being two days late. She asked if I wanted her to resend me a copy of the letter. I said no.

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 2023-05-23
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home was damaged in Hurricane Ian on XX/XX/2022 with substantial damage. My insurance has paid funds to my mortgage company Roundpoint Mortgage which they are not releasing to me to fix my home. Roundpoint Mortgage is holding approximately {$47000.00} in escrow to repair my home. The damages incurred on my home far exceed the amount that they are holding. I have paid out-of-pocket amounts exceeding {$100000.00} which I have had to take a loan and withdraw from my retirement as well. I have submitted receipts, contracts, and all the required documentation that has been requested by Roundpoint Mortgage Company. They are not releasing the funds that have been released by my insurance company to repair my home. I have contacted Roundpoint Mortgage several times via phone and have also sent emails requesting funds to be released to repair my home, I have complied with all of their requests and have been advised that they will not release any funds to me at this point. I have requested the inspection reports and also requested to have further documentation of what was needed, requested to talk to the adjuster in the claims department or supervisor, and have not received any additional information for them.

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 2021-06-11
Company: EQUIFAX, INC.
State: SC
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:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: NJ
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2022 I received a letter from Bank of America about PMI Cancellation.

For the past few weeks Ive been trying to get clarification about language used in the letter. 

Ive sent several emails. I missed a couple of calls from a number from Bank of America but not one time did the person leave a voicemail as to whom to call back. Very unprofessional to call but not leave a voicemail. 

I then received an email from an unnamed person saying they called me. 

I replied to the email stating the best way to reach me is by email and if they could answer the two questions below : 1. Please explain what the PMI cancellation letter means when it statescancellation will require a good payment history???

2. Does my account meet the criteria for good payment history to have PMI Cancelled?

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 2022-12-17
Company: Experian Information Solutions Inc.
State: NY
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 Reportingact. the list of accounts below has violated my federally protected cunsumer rights to privacy and confidentiality under 15 usc 1681. XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 15 u.s.c 1681 section 602 A. states i have right to privacy. 15 u.s.c 1681 section 604 a section 2 : it also states a consu, er reporting agency can not furnish a account with my written instructions 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency maymake 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 inaccurat.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief