BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
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: Information belongs to someone else

Complaint:
Dear To Whom it May Concern, On numerous occasions I have disputed the validity of accounts that are inaccurately reporting on my credit profile.

Specifically there are three accounts under the account name of " XXXX XXXX '' being reported on my Experian credit report. I have disputed those accounts on numerous occasions as the information that is being reported is inaccurate. Both of the other major credit reporting agencies have done their investigations and removed the account as their finding aligned with mine saying the account did not belong to me nor should be reported on my credit profile. 

To my knowledge, under the FCRA I as a consumer have the right to a 100 % accurate credit profile across all credit agencies reporting on my behalf. My credit profile can not be accurate when Experian is falsely reporting accounts that negatively depict my credit worthiness and the other two major CRA 's are not reporting said inaccuracies. 

This situation has been causing an immense amount of stress both financially and mentally on my life and I am requesting that this error be corrected 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 2023-11-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$24000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: CITIBANK, N.A.
State: IL
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 a fraud alert on my credit report and multiple times a Macys account continues to report. All credit bureaus remove the account from my report but XXXX added it back on. They already investigated this matter and removed it but added it back on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/18 I got a notice from XXXX for a late payment of {$2100.00}. I shouldnt of been charged for this because I was a passenger not at fault. I contacted my insurance company and XXXX to clarify my information but had no resolution or notice was confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Comerica
State: VT
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Ive called my SSI XXXX card to dispute a charge and or question a transaction and I never really get very far. Im just transferred from person to person. 

I paid for registration on a XXXX XXXX 3 months ago with the DMV of Vermont and I was told that the DMV put the money back on to said card. 

I had 2 insurance policies going on this same card and not only will this XXXX card not refund me for the second insurance that I didnt use ( I was unaware I had 2 policies ) I paid for both unnecessarily and I spent hours on the phone with progressive and they couldnt locate said policy. But it was a reaccureing payment the insurance company received

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX and Transunion are not investigating the collection/chargeoff accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts are not in dispute, when in fact they are in dispute. In addition, these accounts are over ( 7 ) years old and should not be reporting at all! The accounts are as follows - partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached. ) The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2023-06-13
Company: JPMORGAN CHASE & CO.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I am trying to recover/claim from Chase Bank XXXX check # XXXX to the pay order of {$5200.00}. The date of issue : XX/XX/XXXX by XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, approved for the XXXX XXXX Assistance Program for applicant. The check arrived to the address on or around XX/XX/XXXX. Without consent, a former tenant took the check and deposited into his Chase Checking Account through the ATM at the XXXX and XXXX bank. His bank account was frozen and then closed within a week. The {$5200.00} check was cashed and the funds were held without an explanation by Chase Bank in a " special '' account since XX/XX/XXXX. I contacted Chase Bank several times always leading to nothing. We buried my dad on XX/XX/XXXX. The power of attorney had expired and the focus went into handling my dads affairs. It was to early to know what to do at this time. I was the only person handling all of his affairs. 
My dads assets were under {$25000.00} and probate is not required as stated by the state of Nevada. There was also no will. I took ownership on XX/XX/XXXX of the property in, XXXX XXXX, NV by a deed upon death document. On XX/XX/XXXX, I sold my property. I paid off my dads debt and also his reverse mortgage loan that had started the foreclosure process. I also filed my dads tax return. I received a 1099 for the {$5200.00} from the office of the comptroller even though my dad or myself never received the funds. 
To claim the funds, I presented all of the necessary documents needed for release to a Chase banker as required by the State of Nevada : Small estate Affidavit, Affidavit of Heirship, my dads Death Certificate, my dads drivers license, my passport, copy of the deed upon death, copy of the payoff spreadsheet for the property. I was told that I needed a document from probate showing that I was the Executor of the Estate. My dads total assets were under {$25000.00} and a deed upon death was left to his heir, myself. There was no probate required in the state of Nevada. It has now been almost 2 years. Chase Bank has given me the runaround and is keeping the funds that do not belong to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My loan was transferred from XXXX XXXX XXXX to Select Portfolio on XX/XX/XXXX. I am in the process of refinancing my first loan therefore am on a timeline to close escrow. On XX/XX/XXXX, I called Select Portfolio and requested a copy of my Note per the refinancing lender 's request. I was told I would be faxed the note but I did not receive it. When I called back a few days later, I was told that they couldn't locate the Note and were looking for it and they would have to reach out to XXXX XXXX. I was told that it would take a few days. Last week, I called to check on the status and they still hadn't located it and told me that they would put a " rush '' on it. I called back today XXXX XX/XX/XXXX XXXX and Select Portfolio is still telling me that they have not received anything from XXXX XXXX. 

It has been 2 weeks since my initial request and there has been no progress. This loan was transferred 7 months ago. If I am late on a payment, I receive calls daily asking for payment yet when the table is turned there seems to be very little effort as it doesn't seem as impactful or important to the lender. 

This Note is needed as part of my loan refinance. I am requesting assistance so that the Note be located and I be sent a copy ASAP. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: CURO Intermediate Holdings
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, 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:
This is my XXXX 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 records 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a direct deposit in my Capital One checking account early in the morning of XX/XX/XXXX. This was the day to be paid as indicated by my employers pay slip. Then it just disappeared. 

I called initially and was told to just give it time. This is despite the fact that a portion of my pay goes to another account, and that had already posted without incident. I called back and was told its not there, so call your employer. I explained that there was no issue with the part of my direct deposit that went to another bank. 

According to Capital Ones own website, direct deposits should post the same business day. That would be yesterday at this point. I believe Capital One is doing what most large banks do. They process a deposit last but process charges first. Also, with it being a holiday they can needlessly hold on to funds most likely with the intent to charge fees. 

I was told it would take 20 days for this issue to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-09-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested verification of inaccurate information on an account listed by the credit consumer reporting agencies on multiple occasions from both the data furnisher and the credit reportion agency for XXXX account number XXXX. I also disputed this account directly with the data furnisher and as per XXXX they have no record of this account on file yet they continue to report a derogatory account in my name. I am enclosing the notice XXXX sent me as a reply to my inquiry. Which states they have no knowledge of this account and the letters sent to the reporting agencies I sent last to the Experian and XXXX which are continuing to violate my right to accurate reporting. Both agencies are reporting different dates of last activity. The are showing a balance for on the account that was allegedly written off as a bad debt. They are reporting different dates of being last reported. How can any of this be accurate if none of the parties involved XXXX, Experian, or XXXX are showing any of the same information.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX 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 2023-08-09
Company: Experian Information Solutions Inc.
State: AR
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 am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove by the credit bureaus in my credit file right away : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2021-03-15
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I entered into Dovenmuehles forbearance process in XXXX. I was told that there would be no penalties and that payment would be deferred to the back of my loan. They told me my mortgage would go from 30 years to 30 years and 3 months. 

The loss mitigation time was supposed to be for XXXX, XXXX, and XX/XX/XXXX only. Dovenmuehle extended the forbearance through XX/XX/XXXX without my consent. I attempted to get out of forbearance without success. I could not make payments online. I had to call their loss mitigation department and they charged additional fees for my bill. After the 6 months was over I had called Dovenmuehle multiple times. They told me I just needed to wait. I made 3 payment a of {$1800.00}. 

I filed a complaint with the XXXX XXXX XXXX and Dovenmuehle finally moved me out of loss mitigation. Dovenmuehle stated I only needed to sign paperwork and send it back to them. I received two documents from Dovenmuehle both stating I was being removed from forbearance. Yet neither of these documents had anything for me to sign or return to them.

I sold my house and close on it tomorrow XX/XX/XXXX. Today XX/XX/XXXX I found out that Dovenmuehle put a lien on my house for {$13000.00}. 

I bought my house for {$220000.00} and I currently owe {$220000.00}. However, my closing statement with the lien was for {$230000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: TN
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:
The credit bureaus stated my account XXXX XXXX ( XXXX XXXX ) Account # XXXX ) was properly investigated but how is that possible if the date opened is inaccurate, the date last reported is inaccurate, the last date active is inaccurate. This is grounds for removal. They also violated my rights under 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions. 
Also the credit bureau took more than 30 days to complete my investigation here is my certified tracking # 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 2023-08-09
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: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX  TX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$190.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXX  XXXX Balance : {$740.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$620.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$270.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/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 2021-03-15
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill from Transworld Systems Inc of XXXX OH saying that they were collecting on an unpaid bill, supposedly owed to XXXX XXXX XXXX. 
I have never owed money to XXXX, and my credit report shows that there is no outstanding balance to any company. 

Next to the bill 's amount XXXX {$240.00} XXXX is the line " File # XXXX '' Again, I do not owe this money and I am not willing to sit on a phone for an hour trying to iron the problem out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
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:
Credit bureaus, refuse to correct information after being provided proof Trans Union reporting DOUBLE JEOPARDY XXXX XXXX one they both reporting on my Trans Union report XXXX XXXX XXXX should be remove off of my credit FCRA Section XXXX Accordion from Trans Union Investigation Results File XXXX Date issued : XX/XX/2018 XXXX 's was DELETED FROM MY FILE XXXX XXXX is still report on my report as of today I sent you a copy of Investigation Results

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