BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 non-monetary relief
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: VA
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:
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. 


I told the Experian to reinvestigate these accounts : XXXX XXXX XXXX XXXX AccounXXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXXXXXX XXXX XXXX AccounXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 


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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2020-12-22
Company: CITIBANK, N.A.
State: CO
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:
Regarding Macy 's Department Store I had a Macys charge card with a XXXX balance. I made a purchase in 2018 and charged it to my card. 
I paid the bill in full but it was about 20 days late Since then interest & penalties have been accumulating to a total of {$300.00} until they finally dismissed it. 
and then tried to ruin my credit with all 3 agencies.

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 2022-03-31
Company: Glacier Bancorp Inc.
State: MT
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:
RE : XXXX XXXX XXXX XXXXXXXX XXXX Bank is reporting me as 30 days past due in XX/XX/2022. Not only have I not been 30 days past due, I usually past ahead. I have discussed this with the Vice President as well as the credit reporting officer and they refuse to remove the past due reporting even though I have proven to them that I was not past due. This has caused an over XXXX point drop in my credit score and it is fraudulent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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: 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 : XXXX  XXXX XXXX Account Number : XXXX  ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX  ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: MONEY SOURCE, INC., THE
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I closed on the sale of my home on XX/XX/20. The Money Source, our mortgage servicer, claimed to our title company, XXXX XXXX XXXX that they never received the payoff amount despite having the fed reference number of XXXX proving that they did have the entire payoff amount. The Money Source then reported my account as being 30 days past due in XXXX, and it dinged by credit by XXXX points according to XXXX. The Money Source still does not show as having processed the payoff, and every time I call, and I told a supervisor will call me back within 24 hours, and no one ever does. I have to spend 45 minutes waiting and explaining this to someone different every single time that I call, which is over 10 times now since the sale closed in XXXX, only to be transferred to a manager 's voicemail and never heard from again. The Money Source says I owe them the entire principal balance of a house that I sold, paid off the loan for via the title company, and haven't lived in in over a month and there has been literally no consequence for them messing this up other than my credit tanking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
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 is missing that should be on the report

Complaint:
I have two cards with XXXX XXXX XXXXXXXX. One ending in XXXX has a {$1400.00} limit. The other ending in XXXX has a {$400.00} limit. 

None of these show on my credit report.

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 2023-11-20
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I was originally sold on a modification from a previous mortgage company. I was set up for a 6 month zero interest agreement that would pause my mortgage payments. After that timeline expired I was contacted by Mr. Cooper stating the same agreement as before, I agreed but then at the end of my agreement I was told this was a loan modification and I had to pay back the XXXX or sell my home. I have a family of XXXX including myself, XX/XX/2023 I under went XXXX XXXX XXXX and I lost my job in XX/XX/2023. Reluctantly I was forced into a terrible loan modification that made my rate go from XXXX to XXXX and my monthly payments went from XXXX to XXXX a month. We are in desperate need of help, also Mr Cooper told me that I'm also responsible for a XXXX deficit caused by my previous mortgage company because they messed up the escrow amount. I'm also a combat vet that is XXXX percent XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-09
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
RE XXXX XXXX XXXX XXXX, XXXX, AZ XXXX : I was manipulated into a derivative swap, described as a Mortgage, which benefited the writer of the note and violated Federal Statutes. As a result of this action, I was exposed to a trustee sale. It is a natural consequence of this failure to disclose the promissory note that I could lose my property interest. See : Truth in Lending Act ( TILA ), 15 USC. Sec 1601 et seq. The Real Estate Settlement Procedures Act ( RESPA ), 12 USC sec 2601 et seq. & the Home Ownership Equity Protection Act ( HOEPA ) 15 sec 1639 et seq. Between XX/XX/XXXX and XX/XX/XXXX the promissory note was assigned to HomEq Financial Network. Despite the alleged reassignment of the promissory note, I never received notification of the transfer and neither HomEq, XXXX XXXX  nor XXXX XXXX Company can claim interest in the subject property. See : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). Under the XXXX XXXX XXXX, the only notice sufficient to inform all interested parties that a security interest in instruments has been perfected is actual possession by the secured party, his agent or bailee. See Also, Lending Act ( TILA ), 15 USC. Sec 1601 et seq. The Real Estate Settlement Procedures Act ( RESPA ), 12 USC sec 2601 et seq. & the Home Ownership Equity Protection Act ( HOEPA ) 15 sec 1639 et seq

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX 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 explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: DC
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 Account Number:XXXX Account Name : 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 response to consumer: In progress
Consumer complaint received 2023-11-20
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
. Billing Error amount of {$2400.00}. One of the errors are late payments, under an open-ended consumer credit plan, which is against the law. The next one is security fraud. They are never credited my account for certificate of indebtedness. The company did not credit my account for dividend payment that they have made off my treasury coupon. Via Electronic Transfer Act of the interest of my coupon. My billing dispute past, current or future certificate of indebtedness while under this contract. Also want my securities sent to me via check.

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 2020-12-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I think BMO Harris will avoid paying for the XXXX usd stolen from my money market account due to a technicality They require a police report, my local police wont take a report. I have never been able to speak to a human with XXXX police. And they just rejected my case due to a computer glitch BMO MUST either make an exception to the requirement for a police report or file it themselves

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 2023-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
The most recent was XX/XX/ Sent a payment into XXXX, XXXX received the payment by XX/XX/ the payment was " returned '' I didn't do it, XXXX didn't send it back but it clearly shows the amount be returned like a shirt or something. In the month of XX/XX/2023 I received an email stating my subscription for XXXX XXXX was declined because at that time I was at {$0.00}, later that same day XX/XX/ I received another email stating that same declined subscription for XXXX XXXX had been paid. I went to check and sure enough BOA had suddenly decided to pay that and 3 or 4 more subscriptions that were all denied just hours before and now I am in the red for XXXX. I have many many many more instances of this manipulating my account XXXX cant fit them all in this box. I am suddenly getting partial pay errors trying to buy groceries, or amount authorization limit met at the gas pump. My account is almost XXXX yrs old and I have never had to worry what was in my account because everything I put there was there. My account has taken on a life of it's own, I never know what is in there or what bills are actually being paid. They also hold transactions in " processing '' for days and days and days waiting to push through after acct is at XXXX to collect XXXX fees THEY CALL ME A LIAR WHEN I TRY TO TELL THEM TO FIX THIS AND GIVE ME ALL THOSE OD FEES BACK.

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 2023-10-05
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-25
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, I contact the bank to open a dispute fo rmerchandize not received. They provided provitional credit. The bank never sent me any letter or information about the case and I noticed that they reversed the provitional credit given. I called the bank and they said that they sent some letter requesting more information, I said I never get it and checking the address the bank sent those letter to an address is not on file as my mailling address, they made a mistake and sent to an address ooutside of the US. 
I called to the bank and they said I will have a call back in 48 hours, nobody called me. 
I need to have this fixed asap, dont want to have my acount closed. 
This issue was caused for a bank negligence sending mail to an address that is not my mailling address. 

Dispute details : XXXX ) XX/XX/2023 {$1000.00} XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023 {$1000.00} XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023 {$1000.00} XXXX XXXX XXXXXXXX XXXX  XXXX ) XX/XX/2023 {$1000.00} XXXX XXXX XXXX XXXX At the moment of the purchase on the store I was adviced that they didnt have on stock the smartphones at that time in the same store, so they will send it to my address using XXXX XXXX and the delivery date given was no later XX/XX/2023. I never get the items and I tried to reach the merchant several times without success, nobody answer, I tried to call them to request shipping information tracking number or delivery confirmation. 
Attached goes the invoices and receipts.

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 2023-06-29
Company: Kriya Capital, LLC
State: NC
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 accordance with the fair credit Reporting act XXXX XXXX XXXX {$840.00}, Credence Resources Management {$700.00}, XXXX XXXX XXXX, {$360.00} XXXX XXXX XXXX {$250.00}, XXXX XXXX XXXX {$230.00}, and XXXX XXXX XXXX {$230.00} 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 an 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 late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received the attached letter from creditor attempting to collect a debt that I do not owe. The debt is a fraud, the letter might violate the law by concealing the Fair Debt Collection Practices Act required 30 day dispute wording on page 2 of the attached document. I dispute the fraudulent debt described in the attached document entirely.

Company response to consumer: Closed with non-monetary relief