BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-06
Company: EQUIFAX, 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:
All three bureaus are reporting late payments on these accounts. XXXX, Equifax and XXXX. On XX/XX/XXXXXXXX  i open disputes with all three bureaus asking them to remove late payments on my report because i wasn't informed that late payments would be reported by any entity. I didn't give consent for any of these reports to report any information about me. With no change on all reports. Here are a list of all the accounts in question. 
As of XX/XX/XXXX XXXX, Equifax and XXXX are reporting : XXXX XXXX XXXX late payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. in the amount of XXXX every late payment. I have paid off this debt XXXX. 

I would like to mention code : 15.us.1666b Timing of payments as well as 15 us code 6802b Obligations with respect to disclosure of personal information.

I wasn't given any opportunity to opt out. They never gave me an option to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, 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:
On XX/XX/2021 I sent a letter regarding inaccurate and unauthorized information on my credit report. To this day over 60 days later I have not received a response yet. I feel as if I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate the items within 30 days gives reason to immediately remove those items from my credit report. Again it has been over 60 days which means those items should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach that occured, and there is just cause my information may have gotten into the hands of the wrong person to which I have filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, XXXX, at around XXXX, I made a cash deposit at the Chase ATM XXXX XXXX XXXX XXXX XXXX, NJ. Typically I'm leaving work late so I almost always make cash deposits to pay bills etc. My sister is here from school on winter break so she was with me I counted my deposit twice then had her count it we both counted {$900.00}. I deposited the money it said {$880.00}. My heart almost dropped to the floor the reason being almost everytime I make a atm deposit it almost always is {$20.00} off not {$10.00} off not {$2.00} not 5 always {$20.00}. I've always thought I was doing something wrong but lately it has been on my mind that something isn't right today was the first day I had someone with me who saw the same thing I saw and counted the money. So I called the bank I was in a panic I was enraged because this has been happening to me for years and I almost always attributed it to something else today it clicked that the atm has been taking my {$20.00} for years I'm disgusted I'm upset and I need for this to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
To XXXX, XXXX Thank you for replying ( via CFBP dated XX/XX/2018 ) regarding my query regarding my two student loan accounts ( abovementioned ). This letter serves to provide clarification to your responses on XX/XX/2018, XX/XX/2018, as well as the latest letter dated XX/XX/2018. Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. 
Your correspondence on XX/XX/2018 and XX/XX/2018 did not include a copy of the application, promissory note, nor disclosure statement as stated. Until the student loan accounts are disputed and validated, reporting account information to any of the three main Credit Bureau 's such as TransUnion, will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your company that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character Moreover, your letter on XX/XX/2018 merely stated that you/your company have reviewed my student loan accounts in connection to the CFPB vs XXXX, XXXX Consent Order but make no mention of XXXX redress plan, final resolution, or restitutions as required per CFPB. 
In summary, Im requesting copies of BOTH, a full debt validation as well as the redress plan, final resolution, and restitution as per the CFPB vs XXXX, XXXX Consent Order.

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to the FCRA, income should not be reported on a consumer credit report. However, I have discovered that both TransUnion and XXXX have erroneously included a canceled debt as income on my credit report. As per the guidelines set forth by the Internal Revenue Service ( IRS ), a canceled debt should be reported as income. I have attached a copy of the 1099B form that clearly states this and serves as proof that the canceled debt is considered income under the IRS guidelines. XXXX AND TRANSUNION are reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have made multiple attempts to have this inaccurate information corrected by contacting both TransUnion and XXXX directly. I requested proper validation and what method they used to validate. However, despite providing them with the necessary documentation and following their dispute procedures, I have not seen any resolution or correction on my credit report. 
I kindly request the assistance of the Consumer Financial Protection Bureau in this matter. I believe that TransUnion and XXXX 's actions are in violation of the FCRA, specifically regarding the reporting of income on a consumer credit report. I would greatly appreciate it if the CFPB could investigate this case and take appropriate action to rectify the situation. 
attached is my photo ID and a copy of the 1099B form that clearly indicates the canceled debt should be considered income and not reported on a consumer credit report. 
I look forward to your prompt attention to this matter and hope for a resolution that aligns with the FCRA guidelines. Thank you in advance for your assistance.

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 2023-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A account have been opened in my name at Bank of America that I have no knowledge about. I cant access the account because I have any information but I keep receiving messages about funds being transferred

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 2021-03-22
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I entered into a Covid relief forbearance around XX/XX/XXXX. In XX/XX/XXXX, I called Mr. Cooper to see what my options were. I asked very specifically if the option to add the payments to the end of the loan were an option and the agent informed me that that was an option, along with a lump sum and a modification. 

Around early late XXXX XX/XX/XXXX, I attempted to start the process on their website and was repeatedly met with errors using their " wizard ''. On XX/XX/XXXX, I called them back again and was directed to the general " support '' area and to go through the modification there since the wizard was broken. I did as instructed and it apparently created a modification request. 

In subsequent calls, and their website, I was told that it would take *up to* 30 days. Here we are, sitting at XX/XX/XXXX and it still has not been addressed. I called on XX/XX/XXXX to inquire about status and they informed me it hadn't even been looked at and " escalated it '', so it should be done within 5 days. Again, we are at XX/XX/XXXX and this still isn't addressed. 

In a subsequent discussion ( I don't have the call date available because they called from another number ), I was told " the investors want their money '' and that was a reason for the delay. 

At this point, there is no reason to believe that Mr. Cooper is acting in any other fashion than to actively force a foreclosure by delaying a resolution, in spite of repeated promises that the issue would be addressed, and by forcing a lump sum payment without giving adequate time to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Consumer Portfolio Services, 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: Old information reappears or never goes away

Complaint:
The car with CPS was repossessed after XXXX XXXX bankruptcy they sold the care settled the debt. I don't owe the charged off balance due. I want to dispute this off my record

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I requested my annual free credit report, Transunion, XXXX, and XXXX  are all saying they can not verify my Identity and that I must request it in writing. They do not want to give me a copy of my credit file as they are refusing, they as all three credit bureaus are wanting me to send copies of my utility bills and drivers license, and my Bank Statement to them by email. 

I have filed several complaints against them so they have my information on file, I refuse to share my Banking information with the and I do not pay a utility bill as my sister pays that, My drivers license expired but I have a U.S. Passport and still have my Drivers License. but they are refusing to use my Passport as I.D . 

As they have several complaints that I have filed against them through your agency, they have all of my information and there should be no reason for them to deny my request for an online credit report and score, I am willing to pay for the score but the report should be free every week. They are making it difficult for me to see my credit file. 

Your agency has all of my complaints and their responses since 2018, so I would like access to pull my credit report as your agency has every request and their responses, thus they can not say the can't verify my info. 

I have the rigiew mit files online like everyone

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 2022-04-29
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: Account information incorrect

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.

1.XXXX XXXX XXXXhas violated my rights, 2. XXXX XXXXXXXX has violated my rights, 3.XXXX- has violated my rights , 4. XXXX XXXX XXXX XXXX has violated my rights, 5. XXXXhas violated my rights, 6. XXXX XXXX XXXX XXXX has violated my rights, 7. XXXX XXXX XXXX XXXX XXXX violated my rights 8. XXXX : XXXXhas violated my rights.

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

15U.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.

I have sent in numerous of letters, the only correspondence I have received is in the documents section below. I also inserted 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 2023-10-23
Company: EQUIFAX, INC.
State: FL
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, account : XXXX, from 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 1692b acquisition of location information by debt collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: SC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$61.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-10-23
Company: EQUIFAX, INC.
State: TX
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX 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 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/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 2023-05-06
Company: EQUIFAX, 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:
I am processing disputes on my credit report with Equifax to delete all inaccurate information that is hurting my file. please review an delete all data listed this had held my file down for years. I need this issue deleted asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Some time in the beginning XXXX I sent all 3 bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day XXXX have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, thank you.

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 2018-04-18
Company: SYNCHRONY FINANCIAL
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:
Here is my complaint, after much research and develop, I dispute the collected data. The marks are prejudicial ; derogatory, non-credit worthy, in-correct & dispute citations reported by XXXX, XXXX, and XXXX. Do these agents take any responsibility according to ( F.C.R.A. ) Fair Credit Reporting Act 1970 against { XXXX/CARE CREDIT }? So I submit to you for examination, that this data also made by XXXX, XXXX, and XXXX violator of the ( C.C.P.A. ) Consumer Credit Protection Act 1968 because its a consumer.

XXXX XXXX XXXX  said, An unfair law is no law at all its that unfairness which certain aspects are reported while others omitted, its unnecessary complex. I consider fair is removal of all negative citations which prejudges another. Since this type of reporting to perspectives like businesses, creditors employers alike ( places rose colored glasses on their eyes ). Hence it must be fair since both are looking for honest brokers. Fair is stated, PAID/CLOSED and REMOVE ALL HARD /SOFT INQUIRIES reflected.

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 2023-08-30
Company: Experian Information Solutions Inc.
State: MI
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:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-05-06
Company: EQUIFAX, INC.
State: AZ
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:
Equfax : Is reporting a acct on my report with inaccurate information and the account should not be on my report at all XXXX XXXXXXXX XXXX WAS NOT INCLUDED IN XXXX XXXX BANKRUPTCY-I NEVER INCLUDED MY MORTGAGE IN ANY BANKRUPTCY AND THEY WERE NOTIFIED BACK IN 2020 VIA LETTER AND IT WAS DELETED BUT NOW SHOWING UP AGAIN WITH STATUS INCLUDED IN BANKRUPTCY 2ND THIS ACOUNT DOES NOT REPORT TOMTHE CREDIT BUREAU, SIGNED DOCUMENTS DURING BANKRUPTCY WERE SIGNED BETWEEN MYSELF AND SERVISOR XXXX XXXX THST THEY WOULD NOT REPORT EVER AGAIN THEY DONT REPORT, EQUIFAX IS REPORTING AND WRONG INFO AT THAT

Company response to consumer: Closed with explanation