BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I just had my credit report pulled from Equifax by XXXX XXXX. The bank was unable to process my loan do to a fraud report being on credit report. I called Equifax and was told by numerous agents that there was no block on the report. the credit union pulled the credit again and it was still there. not sure how to get this Fraud block off as no one is able to help me at Equifax. further more after I hung up with them my online Equifax account was not accessible and I am not able to get into my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/XXXX I been contacting our mortgage company, Dovenmuehle Mortgage Inc. to address the need to make our tax payments and correct our impound account. 

The property in question is in the county of XXXX XXXX, purchased XX/XX/XXXX. The mortgage company began an escrow account ( in which we requested, but they will not let us close now ), at approx {$10000.00} annually ( two installments of {$4900.00} each ). 

The county issued a secure property tax bill ( {$770.00} x2 = XXXX ) and two supplemental property tax bills ( {$4300.00} x 2 and {$170.00} x 2 = XXXX ) instead of combining them in to one bill with two installments. The mortgage company paid the supplemental property tax bills as I requested, however are still showing that {$4900.00} is due in XXXX, hence stating we have a shortage in our impound account. 

They have requested documentation from the county reflecting otherwise to make the changes to the impound account as they increased our payment by {$390.00} at month. I have provided this documentation several times, however they are now stating they will continue to collect the higher amount until they reanalyze the impound account in XX/XX/XXXX. Per the supervisor, ( I can't get anyone higher to up to call me ), they will only pay what the county reflects is owed in XX/XX/XXXX, and they have the documentation reflecting it is only {$770.00}, however they WILL NOT make the changes to the payment amount. Hence, we will be required to continue to pay them the {$390.00} a month unnecessarily until they want to change it and then reimburse the funds back to us. Why do they have the right to collect money they agree they don't need? This puts us in financial strain and if we don't make the payment we may loose our property. 

Secondly, if they make the payment to the county of {$4900.00} instead of the amount due, we will show a shortage and then again risk loosing our property. 

I have sent attachments to them on 12 occasions since XXXX XXXX now and we have gotten no where. 

PLEASE HELP US.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I never was late in XXXX and XX/XX/2023 ACCOUNT XXXX XXXX XXXX XXXX XXXX per 15 USC 1681i ( 5 ) I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding the late account reporting on my credit report for the months of XXXX and XX/XX/2023. Pursuant to the Fair Credit Reporting Act ( FCRA ), I believe that this reporting violates my rights under 15 USC 1681i ( 5 ). I have reviewed my credit report, and it has come to my attention that the above-mentioned creditor has reported my account as late for the months of XXXX, XXXX, and XX/XX/2023. However, I would like to assert that this reporting is inaccurate and is adversely affecting my creditworthiness and financial standing. Under 15 USC 1681i ( 5 ) of the FCRA, I have the right to dispute any inaccurate information that is being reported by a credit reporting agency. I am hereby requesting an investigation into the accuracy of the late account reporting for XXXX and XX/XX/2023. My reasons for disputing this information are as follows : I kindly request that you conduct a thorough investigation into this matter as soon as possible and make the necessary corrections to my credit report if it is determined that the late account reporting is indeed inaccurate. Additionally, I request that you inform me of the results of your investigation in writing and provide me with a copy of my updated credit report once the necessary corrections have been made. Please consider this letter as a formal request to initiate the dispute process under 15 USC 1681i ( 5 ). I understand that you have 5 days to complete your investigation, and I look forward to a prompt resolution of this matter. Thank you for your attention to this dispute. I am hopeful that the CFPB will help ensure the accuracy of my credit report and protect my rights under the FCRA.

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 2023-05-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Dear CFPB. I am writing to file a complaint against Equifax. Equifax is reporting several accounts on my credit report that I have disputed as inaccurate. 
I reached out to Equifax on XX/XX/23 asking for a method of verification to be provided to me for the disputed accounts within 15 days, by law. I did not receive a response after 15 days. 

Under the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give me a method of verification within 15 days of my request. If this is not provided, the agency is obligated to remove the disputed records. I am exercising my rights by law and now asking for these accounts to be deleted immediately. 

The letter is formal notice that Equifax has failed to respond to my request to provide the method of verification for disputed accounts on my credit report. They have failed to respond to my XX/XX/23 letter asking that they show verification of proof for these disputed accounts within 15 days. I have enclosed a copy of my letter sent on XX/XX/23. I am also including a copy of the USPS tracking showing a delivery receipt on XX/XX/23 to Equifax. I am maintaining detailed records of all my correspondence with them. 

I am also including a copy of my letter sent to Equifax on XX/XX/23 and tracking asking that these accounts be deleted due to Equifax not providing the method of verification within 15 days from my initial letter. As they have failed to do so, I am demanding that they remove the below five accounts from my credit report with Equifax bearing my social security number. The five accounts are 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 2022-12-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, my husband deposited money in my account at the ATM of the bank we do business with. Soon he received a call asking for the primary of the accounts which is me. My husband said don't you have it. The man hung up. I was doing a XXXX pickup order on my phone. When I finished I went to pay and it said insufficient funds. I knew the money was in, so I thought it just a data hangup and would send through again later. I'm not sure how long after, but I checked the balance on my bank app. It showed XXXX. XXXX paid out through XXXX. Also I am primary for two other accounts. One is my husband and one is my son 's. My son had XXXX paid out through XXXX to same phone number. My husband had XXXX paid out through XXXX  to same number. I immediately called my bank and told them the whole problem. They transferred to fraud dept. Immediately shut my account down, since it was all done with my primary account. So I had to change everything. They responded by the allotted time they are required to. They gave the money my husband and son lost back by depositing in their accounts. My account that lost XXXX  would not be given. They claimed that the fingerprint on my phone used and that is impossible for anyone to do. I was stunned. I know I didn't do it, so that meant there has to be a way. I have found several ways it could be done. Why steal my own money? Where did the transfer go to. I asked all these questions and I got long silence then I'm sorry we are not refunding this claim. I then called XXXX to be told this is not their responsibility that would be my bank. I asked if they were working together. Find out where the transfer went. No they are not. XXXX  filed the incident with police and they were dry and unhelpful. I have filed with the FTC and here I am 4 months later still missing that money. It was to pay bills, I have been in arrears since with my utilities. I had to get help from city assistance programs. It was a horrible experience. I still am with this bank till i get money back, so I'm allowed to get documents. I'm constantly watching for fraud. Like a job I watch and monitor. Why would they pay back 2 accounts and not one? I finally heard about regulation E and now I'm here. It's such a blessing we have rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
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:
15 u.s.c 1681 section 602 a.i have the right to privacy 15 u.s.c 1681 section 604 a section 2 ; it aslo state a consumer reportion agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: PA
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for this account : XXXX XXXX XXXX : {$27000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: PA
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX XXXX : {$27000.00}

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 2022-05-16
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
i recently just checked my credit report and XXXX and XXXX has ceased all credit reporting back in XX/XX/2021. Experian has still not deleted it off my credit report. please see proof of deletion on complaint number 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 2017-06-27
Company: CITIBANK, N.A.
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citi Bank closed my credit card account with no reason and before that I notice XXXX XXXX office that my son visited had charge my card twice on the same day XX/XX/2017. I did submit dispute online and hoping that was resolve when next billing statement comes in. It end up they closed my card and when I call about that and talked to Senior account specialist XXXX, that do n't want to supply his last name from Kentucky on theXX/XX/XXXX. He told me that he ca n't do anything for me. To avoid any fees involved, I went ahead paid for the whole amount that was not due yet. Hoping to get credit back from XXXX XXXX office. Since my son was out of town, I told him to call once he get back. He called XXXX XXXX office today and was told they only get paid once of {$75.00} .I would like Citi Bank investigate this matter and refund me {$75.00} by sending me a check. Since I paid Citi Bank for the two identical charge already. Thank you for your attention!

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 2023-10-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
See attached documents, the personal information you are reporting are not mine.

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 2019-01-31
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: Their investigation did not fix an error on your report

Complaint:
I disputed XXXX 's back on XX/XX/XXXX stating that this is fraudulent information. Equifax created this dispute in their system as confirmation number XXXX. The Consumer Financial case number was XXXX-XXXX, I asked that this information is deleted & blocked from my credit report, which they did. The results of this complaint are as follows Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We have reviewed the information you have supplied through the CFPB portal and directly to Equifax. In your complaint, you indicated there were items appearing on your credit report inaccurately reporting. The Results of Our Reinvestigation :  Account # XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX Phone : ( XXXX XXXX XXXX. The Results of the Reinvestigation were mailed to you on XX/XX/XXXX, please allow XX/XX/XXXX/10 business days for delivery. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please visit us at https : //www.ai.equifax.com/CreditInvestigation/home.action, by mail to XXXX XXXX XXXX, XXXX GA XXXX or by calling a Customer Representative at ( XXXX ) XXXX from XXXX XXXX to XXXX XXXX Monday Friday in your time zone. 
DESCRIPTION OF NON-MONETARY RELIEF The disputed address has been deleted. XXXX XXXX XXXX XXXX MS XXXX. Account # XXXX The results are : This item has been deleted from the credit file. Account # XXXX The results are : This item has been deleted from the credit file. Account # XXXX The results are : This item has been deleted from the credit file. Account # XXXX The results are : This item has been deleted from the credit file. Now on XX/XX/XXXX, this account has been added back to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XX/XX/2023 Hello, This my final warning that have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them.

Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 7 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 credit bureaus with these accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that Transunion, XXXX, XXXX all verified the accounts above as accurate , but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation.

At this point, I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion.

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 non-monetary relief
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: VA
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:
Dear Experian, I am writing to dispute a medical collection that appears on my credit report. The collection in question is XXXX XXXX XXXX, and the amount is {$830.00}. Account number is XXXX. 

I am disputing this collection because it is in violation of several consumer laws and federal laws. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to maintain accurate and complete credit reports. However, in this case, the collection agency has not provided sufficient documentation to prove that the debt is valid. 

Furthermore, the collection agency may have violated the Fair Debt Collection Practices Act ( FDCPA ) by not following proper protocol when attempting to collect the debt. Specifically, they may have engaged in harassing or abusive behavior, or used deceptive tactics to pressure me into paying the debt. 

Finally, the medical collection may be in violation of the Health Insurance Portability and Accountability Act ( HIPAA ). This law requires healthcare providers to keep patient information confidential, and to obtain written consent before sharing patient information with third parties. If the collection agency obtained my medical information without my consent, they may have violated HIPAA.

I am requesting that you remove this collection from my credit report immediately. Please provide me with detailed information about the debt, including the name and address of the original creditor, the date the debt was incurred, and any other relevant information. 

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

XXXXXXXX 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 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