BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : EMPLOYER : UNKNOWN 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Case Number : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX 'S Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX RETAIL Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: JPMORGAN CHASE & CO.
State: NV
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:
I made a purchase with my Chase Southwest Credit Card on XX/XX/23 to XXXX XXXX XXXXXXXX XXXX XXXX for {$510.00}. I checked into the hotel on XX/XX/23 and found it to be unsatisfactory so I contacted XXXX to change my reservation and they did so and sent me a confirmation email stating that my booking changed from {$450.00} to {$150.00}. I have that email confirmation. I also spoke with the hotel staff that evening and they said I'd receive a credit. I did not receive any credit even after several conversations with XXXX I disputed the transaction with Southwest and they resolved it on XX/XX/23 stating that the merchant said I didn't follow their cancellation policy and yet I did by calling Booking.com on the evening I checked in to change my reservation for one night instead of two and they put me on hold and confirmed with the hotel staff on site that evening that my reservation had been changed to one night and that I'd receive a refund for the second night. Please help me receive a refund for the second night as I have an email confirming XXXX changed my reservation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, 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:
I was advised by student aid that my identity was compromise, and use to access my account. As a result, they did suspend my account and currently I do not own a student aid account. I have disputed this information multiple times, and attached the verifying email that was sent to me. 

XXXX servicing has not remove these accounts, which came from no transactions, made by me with my Social Security number I have been a victim of identity fraud multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-24
Company: EQUIFAX, INC.
State: MS
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:
This is my second complaint with the CFPB about the collection agency, XXXX XXXX XXXX. XXXX is not reporting correct or accurate information. They are reporting inconsistencies to all of the credit reporting agencies and are verifying inaccurate information. They also marked my previous disputes as frivolous to discourage me from disputing despite being provided proof of their lack of a proper investigation into the reporting. Attached are screenshots of the account they are reporting to the credit bureaus. They are reporting different open dates and balances but are verifying them as valid. How can information that doesnt match prove to be valid? XXXX  is reporting a {$0.00} balance and open date of XX/XX/2017 and the same account is reporting a balance of {$1100.00} and an open date of XX/XX/2017. How is this accurate and valid if the information is not the same for the same account? This is a clear violation of the Fair Credit Reporting Act. This also shows a lack of proper investigation on the credit bureaus part as well. XXXX is creating a financial burden causing me to be denied credit due to their inaccurate, incomplete and inconsistent reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: SERVICEMAC, LLC
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: Investigation took more than 30 days

Complaint:
Dear CFPB officer, I have contacted both your department & the company ( XXXX  ) this month and I was being confirmed by the company, there had been NO credit reporting late for 30 days. Due to that, my credit went down to 128 points while I am in the process of refinancing another home. 
Today, I have reported that XX/XX/2023 payment has been recorded late which is clearly NOT the correct case. I have sent screenshot of my credit monitoring page to show that later reported on my credit. 

I therefore am asking you to remove this credit reporting from my credit. Thanks!

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The issue is whether Wells Fargo Mortgage has knowingly violated Regulation X with regard to requiring monthly payments to a property tax escrow account, when the relevant property tax has been paid in full for the ensuing twelve-month period.

Relevant law A lender may not require the borrower to deposit in any escrow accountfor the purpose of assuring payment of taxesin excess of a sum that will be sufficient to pay such taxesduring the ensuing twelve-month period ..., 12 USC 2609 ( a ) ( 1 ).

any person that knowingly violates a Federal consumer financial law, a civil penalty may not exceed {>= $1,000,000} per day during which such violation continues. 12 USC 5565 ( c ) ( 2 ( C ).

Facts The facts are established by clear and convincing evidence and can not be reasonably disputed : 1. On XX/XX/XXXX, the borrower requested removal of the property tax escrow, because the property tax for the subject property was paid a year in advance, with no amount due until XX/XX/XXXX.

2. On XX/XX/XXXX, Wells Fargo Home Mortgage received {$2100.00} as payment in full for all amounts due for the property tax escrow account.

3. On XX/XX/XXXX, by letter Wells Fargo Home Mortgage stated We want to fully address your concerns.We now expect to complete our work by XX/XX/XXXX 4. On XX/XX/XXXX, Wells Fargo still requires {$4400.00} with tax escrow instead of {$2900.00}.

Conclusion The facts show that Wells Fargo intentionally and knowingly failed to remove the tax escrow payment due on XX/XX/XXXX, in clear violation of relevant law which prevents requiring the borrower to pay a excess if the property tax due the next 12 months, 12 USC 2609 ( a ) ( 1 ). The applicable civil penalty is {>= $1,000,000} per day of delay, based on the XX/XX/XXXX increase. If Wells Fargo fails to promptly cancel any future property tax escrow payments for our mortgage loan, Consumer Financial Protection Bureau is authorized to impose the maximum civil penalty.

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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Usaa Bank has taken fund from my account that was never credited from a fraud dispute. My account was hacked and XXXX  XXXX  was used. Usaa owes my {$68.00}. They never credited the account for the amount but deducted stating it was

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: GA
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:
EXPERIAN TO Whom this may concern Under 15 USC 1681b- Permissible purpose of the consumer reports 15 USC 1681b- ( a ) In general ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER FOLLOWING CIRCUMSTANCES AN NO OTHER.

( 2 ). In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 

I XXXX XXXX XXXX the CONSUMER never gave EXPERIAN any WRITTEN consent to report anything on my consumer report. NO CONSENT IS IDENTITY THEFT. 

UNDER 15 USC 1681-Congressional finding an statement of purpose. 

EXPERIAN didn't RESPECTS my CONSUMER rights to privacy, which is a violation of 15 USC 1681-a4 EXPERIAN sells an share CONSUMER info WITHOUT the CONSUMERS consent. 

I the consumer have notice that there are accounts illegally furnished on my consumer report. I DEMAND that you remove these inaccuracies ( listed below ). IF THEY ARE NOT REMOVED I the consumer will not EXTENT MY CREDIT TO ANYONE OR ALLOW EXPERIAN TO FURNISH A REPORT FOR ME. 

REMOVE THESE ACCOUNTS. 

1. XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX XXXX ACCOUNT # XXXX I would like to state that pertaining to 15 USC 1681- ( a ) that the banking system id depended upon fair an accurate consumer report. BY EXPERIAN VIOLATING LAW, it has cause me to lose confidence in the banking system. ALSO, UNDER 15 USC 1681- ( a ) ( b ) EXPERIAN had invalid inaccurate info on my CONSUMER REPORT such as, WRONG SSN I HAD TWO SSN ON MY REPORT, WRONG ADDRESS, ALSO WRONG EMPLOYER. IF EXPERIAN WAS DOING ITS LAWFUL DUTIES IT WOULD HAVE CAUGHT THESE JUST LIKE I THE CONSUMER DID. 

IF EXPERIAN WANTS TO CONTINUE DOING BUSINESS ME, PLEASE DELETE THESE INACCURATE ACCOUNTS FROM CONSUMER REPORT. 



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 non-monetary relief
Consumer complaint received 2019-09-13
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such  repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: SC
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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX

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: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reached out to the company requesting validation of debt being owed to them. I never received any mailings, which I shouldn't have because they were never authorized to obtain my personal nonpublic information. I asked for all accounting history related to this alleged debt, as it relates to IRS publication 508, to include any signed contract with this company. 


I was never given this information, failing multiple requirements of the FCRA. Furthermore, I never authorized XXXX XXXX XXXX, whom they claim they are collecting for, to furnish my information. In the company 's terms and conditions, it strictly states that they will not sell any of my information, which they did when they sold Midland Credit Management my personal financial information. Since Midland Credit Management has decided to include themselves in this matter, they are just as much bound by XXXX XXXX 's Arbitration clause, as XXXX  XXXX. Midland Credit Management along with XXXX XXXX has violated my federally protected consumer rights and will be dealt with accordingly, if they do not remove this information from my consumer credit file within 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Mr. Cooper Group Inc.
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage Servicer, Mr.Cooper, is engaged in dual tracking. Ive submitted a loan modification in XX/XX/XXXX, which they originally marked as complete. Then, they decided it was not, and then decided to require more documentation. The requested documents are award letters regarding unemployment benefits, and supplemental food assistance, SNAP, benefits. I sent the letters I received from both those agencies, 3 times. The documents from the agencies are the only available documents addressing those benefits. I recently sent over the award letters, with supporting documentation, bank statements on XXXX  I also learned, in a phone call to Mr. Cooper on XX/XX/XXXX, that they have begun the foreclosure process, as of XX/XX/XXXX. The loan modification is still open and pending, however. Mr , Cooper, call center representative, XXXX, admitted they Mr.Cooper is dual tracking, pursuing foreclosure with a pending loan modification. To my knowledge, dual tracking was prohibited as of XXXX XXXX XXXX 
Additionally, I believe the company is simply requiring more documentation to keep the modification open until the sale date is set. Also, on XX/XX/XXXXXXXX I spoke with a Mr Cooper Representative by phone, who stated an investor was requiring more documentation. This seems to suggest that Mr. Cooper had already offered my home for sale, during a loan modification process.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: CITIBANK, N.A.
State: MD
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 response to letter sent to me by Macys in reference to account ending in XXXX ( closed ) dated XX/XX/2023. This is a Request for an Opt Out of Macy's/Citibank . I want the company to stop sharing my information and to stop them from violating my consumer protected rights according to the FCRA to include but not limited to 15 USC 1681a 2 ( A ) ( i ), 15 U.S. Code 1666b, and 15 U.S. Code 6802.

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