BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX ACCT # XXXX Date Opened : XX/XX/2020 In accordance with the Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: CA
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:
To whom it may concern : Hello I have 2 accounts with XXXX XXXX that have been charged off XXXX and XXXX XXXX XXXX is not suppose to report this as negative, I will report you to the IRS for tax fraud and also to FCRA. With this account being closed/ charged off this is now reportable income and I should have received a 1099c form according IRS XXXX FCRA 15 USC code 1681n, FCRA 15 USC code 1681o, FCRA 15 USC code 1681e and FCRA 15 USC 1681 eb. I am requesting that accountXXXX and XXXX be removed from this credit report due to these discrepancies. If these account are not removed within 30 days I will be forced to file a Civil Lawsuit The other charge off on my credit report is XXXX XXXX. Im requesting for XXXX  XXXX  to be removed as well for reporting illegally according to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX  : XXXX ( original Creditor : XXXX XXXX XXXX ) Balance {$570.00} XXXX XXXX Balance {$500.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN COLLECTIONS : XXXX SELF-REPORTED Balance {$9.00} XXXX SELF-REPORTED Balance {$480.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) Balance {$900.00} XXXX XXXX Balance {$500.00} XXXX XXXX : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) Balance {$900.00} INQUIRIES : 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 2023-02-23
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Situation : I was charged {$9000.00} on XX/XX/XXXX for payment to a contractor through XXXX.Ayear and a half later this moneyremains unaccounted.I filed a CFPB complaint against Barclays on XX/XX/XXXX and was told there was no new information to the case. There has been more information gathered after their XXXX response on XX/XX/XXXX that involves two conversations with Barclays representatives. 

I am attaching tapes of these two conversations. 

1. The first is a recorded call on XX/XX/XXXX between a XXXX representative, XXXX, and a Barclays representative. Starting at XXXX - XXXX during this call, XXXX representative confirms that the bank ruled in my favor on the chargeback and they refunded the money on XX/XX/XXXX. 
2. The second conversation occurred on XX/XX/XXXX with a Barclay Supervisor named XXXX. Beginning at XXXX in this call, she states that there is a strong likelihood that XXXX refunded the money to the closed credit card XXXX and that was never transferred. 

Barclay continues to say that they returned the money to XXXX on XX/XX/XXXX. XXXX, in a XXXX complaint and on XX/XX/XXXX, says that they sent the money back on XX/XX/XXXX to the originating Barclay account ( XXXX ) which Barclay has previously closed so I had no access to transactions that occurred on that account. 

Further, in response to my XXXX XXXXCFPB complaint, I was given yet another unmanned phone line to contact regarding my complaint. When I call the number provided, I can only leave a message and to-date no one has responded to my inquiry in almost a month. 

Im requestingthat Barclays send me thetransactionrecordsformy closed credit card account ( ending in XXXX ) from XX/XX/XXXX- XX/XX/XXXX as I have a strong reason to believe that XXXX refunded the money back to me via the old credit card they had on file ( XXXX ) that was no longer an active card and that money was never transferred over to my active card ( XXXX ). 

I have spoken with hundreds of customer service representatives/supervisors and more than three upper-level managers at Barclays ; provided documentation of XXXX 's response ; and written numerous letters requesting resolution. While Barclays responded that no new information has been presented, I disagree andrequest that Barclay provide transactionalaccount statements on my closed account, XXXX, from XX/XX/XXXX to XX/XX/XXXX toshowthatBarclay never received the XXXX XXXX XXXX transaction. Please respond to my email with any additional information requests you may have.

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 2015-09-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm filing a complaint during the approved programs Unemployment forbearance program XX/XX/XXXX - XX/XX/XXXX and Home Affordable Modification Program ( HAMP ) XX/XX/XXXX - XX/XX/XXXX. I received numerous calls from the Collections department and letter stating additional payments are due to avoid foreclosure proceedings regardless of the approved programs. I have fulfilled the program requirements making the payments as agreed to maintain on the approved program and additional payments to avoid foreclosure. 
Chase unwilling and unable to provide detail payment posting history explanation of payments, refunds, credit transfers and credits during approved programs Unemployment forbearance program XX/XX/XXXX - XX/XX/XXXX and Home Affordable Modification Program ( HAMP ) XX/XX/XXXX - XX/XX/XXXX. Payments over the monthly approved amount were placed in unapplied principal as credits and then posted to account as additional account payments. When Chase was contacted concerning creative account regarding the overpayments during the approved programs, I was informed this was a standard practice and the unapplied principal is not refundable back to the lender or can be used as future payments. I have attached the approval letters for both approved programs and account transaction history. 
Please review my case to determine if Chase applied the payments applied in acceptable manner during APPROVED government regulated programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX 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 XXXX 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 explanation
Consumer complaint received 2021-05-07
Company: FIRST HORIZON BANK
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, I purchased the property located at XXXX XXXX XXXX XXXX XXXX Nc XXXX. The title of the property is not clear because there is no recorded pay-off for the Deed of Trust filed in Book 7105, Page 396. 

Im unable to sell the house. 

First Horizon bank failed to record the lien release letter. I called them and they will not help me because I'm a third party. They want the seller to reach out to them and the seller has no incentive to help. I'm the one who is suffering damage now because i can't sell. The buyer is not in need of this letter so he is not helping. 

My property title is still encumbered by the Deed of Trust executed by XXXX XXXX & XXXX XXXX in favor of XXXX XXXX XXXX  XXXX XXXX, dated XX/XX/XXXX, and recorded in Book 7105, Page 396, XXXX XXXX XXXX, securing the principal sum of {$40000.00} and subsequent Assignment of Rents filed in Book 7684, Page 3059. 


XXXX XXXX XXXX XXXX  XXXX is now First Horizon. Can you get a lien release letter from First Horizon, please? 


I can send the settlement statement to you to show you that it has been paid off. 

The Uniform Residential Mortgage Satisfaction Act requires lenders to record the lien release within 90 days from the date of pay off. It has been more than 90 days already. According to the Act, the penalty on the lender ( First Horizon ) now is {$1500.00} for failure to record the lien.

I wasn't able to sell the house because of their negligence and I suffered financial damage from the failure to sell the house. 


I called First Horizon Bank ( Formerly : Capital Bank / XXXX XXXX XXXX  XXXX  XXXX ) They cant release information about this loan pay-off to me because Im a third party. 
The loan number is XXXX. 
And the prior owner of the house has no incentive to help. 

Thanks. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Experian Information Solutions 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 a victim of identity theft. XXXX XXXX  XXXX XXXX has fraudulent accounts on my credit profile that needs to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX 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 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 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 2023-07-10
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: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
hello, I've been trying to reach out to child support enforcement and the 3 credit bureaus on behalf of my credit report. this account is hindering my ability to obtain credit I am willing to make a type of settlement and comply and I have asked for variable proof of this account its been more than 30 days and I have yet to receive any updates. I called fair credit act and they said that by law they are required show proof. I sent XX/XX/2021 a certified letter because I was advised by post office that this would be the most accurate way of them receiving mail instead of normal mail. I will send you proof of those slips.

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 2022-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
Capital one Auto finance is violating the C.A.R.E.S ACT by reporting late payments during the pandemic. I have reached out to them and the bureaus and nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This item was placed on my credit report as a result of identity theft. I disputed this with the company and they sent me the attached response which I have screen shotted and attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
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: Personal information incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Credit Bureau RE : Update Personal Information To Whom This May Concern : I am writing to ensure the credit bureau is reporting accurate information at all times. I have highlighted the areas below that are inaccurate and shall be removed from my credit report immediately. 

Please delete the following inaccurate names : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate telephone numbers : ( XXXX ) XXXX Please delete the following inaccurate employers : XXXX XXXX XXXX XXXX XXXX I am filing this consumer complaint and consumer check for compliance of the particular items that you are reporting under FACTA Title 1 section 151. I have enclosed copies of my state ID and social security number to validate my identity. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28
Company: Arcadia Holdings, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written disputes to the credit bureaus and to Arcadia directly because, I do not believe that these accounts are accurately being reported on my credit report. So to clarify the accuracy of the reporting of these accounts I formally requested the following information that is being reported : 1 ) Original Contracts to ensure the accuracy and legitimacy of the date the accounts were opened, account numbers, and terms of the interest and penalties that were originally agreed to.

2 ) Payment History of the accounts for the entire duration of the notes to review the application of payments to their proper destinations 3 ) List of charges and fees especially those assessed after the charge off status on the accounts 4 ) Date of actions taken on these accounts including but not limited to the dates of the charge off status, correspondence sent to me regarding the charge off actions, and collection activities 5 ) List of the Dispute instructions your agency provided to the credit bureaus in response to my disputes to the Credit Reporting Agencies.

Arcadia still has sent me nothing at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
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: Public record information inaccurate

Complaint:
Since 2020 Ive been disputing these incorrect bankruptcies reporting on my credit reports. Its unconstitutional that the people who protect and serve this country get treated like this. These inaccuracies are destroying my credit and keeping me from doing the simplest things to provide for my family. I have been going back and fourth with the bureaus since early 2020 I have asked courthouses do they share information with the credit bureaus they told me NO, Ive disputed with XXXX stating that the information is inaccurate which in return they were deleted from XXXX. I have sent these corespondents to the bureaus and in return they keep telling me the information is verified with no supporting documentation to show. Either way the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. C. 1681l ) and the information must be deleted immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: CA
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:
hello, ive reached out to Experian multiple times about inaccurate information that is being furnished on my accounts. The company is reporting XXXX late payments on accounts that are either paid-off/closed and accounts that are open however its current on all payments. 
I brought to their attention how they are violating several federal laws and they still do not care to resolve the problem. They say their investigation has been completed and still feel compelled to furnish such erroneous and frivolous information without properly demonstrating on how they went about their investigation which leds me to believe they did not do such a proper investigation. 
this inaccurate reporting is hindering me from obtaining any credit as well as its defaming my character which is hurting my livelihood. 
they are in violation of 15 USC 1666b and 15 USC 1681b. i would like this resolved immediately please.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX Balance Owed : {$1300.00}

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 non-monetary relief