BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: MO
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting late as reported in my 3 Credit Bureaus. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Ref : XXXX XXXX XXXX, XXXXt 2nd Mortgage Loan Number : xxxxxxx Property Address : XXXX, XXXX, FL XXXX On XX/XX/XXXX, I purchased a condo with the down payment assistance program ( HAP DPA Program ). I received {$10000.00} for the down payment - interest free as a second mortgage. My contract stated that the second mortgage is due on Sale, Refinancing, or Rental. Im refinancing my condo so I need to paid off, the HAP loan, the second mortgage for, XXXX, XXXX, FL XXXX. For over 3 months I have called SunTrust Mortgage to requested a payoff letter to settle my commitment for the HAP loan. XXXX XXXX XXXX, my future mortgage company, has also contacted SunTrust multiple times to receive the documents to pay off my loan. I can't complete the refinancing of my condo without the second mortgage information. I was scheduled to close on, XX/XX/XXXX. My closing was canceled because we never received the documents to settle my second mortgage. On XX/XX/XXXX, I went into a XXXX, FL, bank branch BB & T/SunTrust now Truist for assistance in receiving the information for my pay off letter so I could settle this matter. I met with XXXX XXXX, who requested the letter of payoff on my behalf. As of XX/XX/XXXX, nobody from Truist has contacted me with the information I need to proceed with my refinancing. I'm at the mercy of SunTrust to complete my mortgage refinance. Completely frustrated and still waiting for the payoff coupon or letter of settlement which was promised each time I spoke to SunTrust. On XX/XX/XXXX, I contacted Ms. XXXX, again to inquiry about her success in receiving my payoff letter, Account # xxxxxxx. Ms. XXXX has not received any information on how much longer I will have to wait for the payoff letter. Your consideration in this matter is appreciated. 
Kind Regards, 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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2023-01-13
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and delete : XXXX XXXX XXXX Date Opened : XXXXXXXX- Balance : {$270000.00}. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX has been sent several proof of validation letters, even certified mailed. Which as a consumer I have the right to get a copy of how an item was verified as accurate on my credit report. It's a violation of the FDCPA for a debt collector to refuse to send a validation notice or fail to respond to your verification letter in 30 days, if proof is not submitted within 30 days the item should be removed. Which I have never received a copy of how this verified, because they are wanting to ignore the laws of The Federal Trade Commission as well. If XXXX has provided proof to me before this complaint please attach a copy of dated prior to this complaint. this company has only sent stall tactic letters stating Verified but no proof attached. 

I am disturbed that you continue to list the Bankruptcy as confirmed. I aware that you receive your information from a third party verification known as XXXX. This system is sometimes not accurate because of the limitations of providing a complete Social security number The FCRA mentions nothing in section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief " Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemeed non existent, It is only fair that in accordance with with Section 1681 ( a ) ( 5 ) of the Fair Credit Reporting ACt you delete this from my credit report and send me an updated copy. 
Considering it does not require an investigation, I would appreciate your response with 3-5 business days.

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 2021-10-15
Company: Bread Financial Holdings, Inc.
State: TN
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:
Victoria secret is erroneously reporting incorrect late information to my account as I have paid them off and have a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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 status incorrect

Complaint:
I had an auto loan through XXXX XXXXXXXX XXXX XXXX. My vehicle was a lemon, so the dealership had to pay me back for all payments made, and pay XXXX XXXX  XXXX loan off. XXXX XXXX XXXX loan was supposed to remove entire tradeline of credit from all XXXX credit bureaus within 21 days of receiving payment from dealership. It also states that XXXX XXXX XXXX XXXX can not ever report this to the credit agencies in the future. The counsel, XXXX XXXX signed said agreement on XXXX XXXX, XXXX. As of XX/XX/XXXX t XXXXXXXX XXXX XXXX XXXX reported the trade line as a paid charge off ( very negative on my report ) I tried to get approved to buy a vehicle XX/XX/XXXX, was denied and found out that the trade line had not In fact been removed as agreed upon in writing. 
Have attempted to dispute with all XXXX credit bureaus, but they all reach out to XXXX XXXX for verification and XXXX XXXXXXXX XXXX XXXX tells them that this account is reported appropriately ( which is false per signed written agreement ) I contacted XXXXXXXX XXXX XXXXXXXX XXXX about this and they said they couldn't do anything because they are just the financing department and their dispute department is not taking calls. 

I have the written signed document attached and the pertinent areas are highlighted. Page 2 of 7 section 4 and continues on page 3 of 7. Along with signature on page 6 of 7

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 2021-10-22
Company: Experian Information Solutions Inc.
State: NC
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:
Experian Credit Reporting Agency has a XXXX XXXX XXXX XXXX account in my credit files that is not linked to my name or address attached to this collection account is showing a status : Seriously Past due date/assigned to attorney, collection agency, or credit granters internal collection department.I originally mailed dispute letter to experian on XX/XX/21 included all of the supporting documents that was requested which was copies of Drivers license, social security card, police report, Identity theft Report, my full name, date of birth, current address which also reflects my address for past two years.Experian states they never received dispute letter mailed XXXX.After I was informed Experian never received dispute letter I decided to send Experian a certified letter requiring signature upon receipt.I also was able to successfully upload the supporting documents as listed above to experian 's documents upload site.Experian finally admitted to receiving the dispute letter and supporting documents that was sent via certified mail.However Experian denies receiving uploaded documents.Experian representative stated on XX/XX/21 that they received dispute letter containing requested documents on XXXX I reached out to experian due to a previous dispute of Portfolio Recovery Associates Collection account not being removed from my credit files, address that doesn't belong to me being in my credit files, and questioned the removal of the name that the Collection Agency reported to the credit bureau due to Experian representatives previously informing me that name could not be removed due to it being linked to the collection account.I spoke with a rep XXXX asked to speak with supervisor since rep response to my questions was " I don't know '' Rep would put me on hold come back to phone and claim he was unable to get supervisor.Rep even questioned me why I wanted to speak with supervisor I replied Its my Right basically I was denied the chance to speak with a superviso

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 2021-10-22
Company: Google Compare Credit Cards Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have an account that is good-standing with Google Fi ( www.google.com/fi ). They are denying me credit for an extended payment plan for a new phone. XXXX is the credit agency they check and I do not have a freeze or security hold active. 

Google Fi Support Inquiry : Case ID [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 8th 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, MD XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$16000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022

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: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I would like to file a complaint about missing funds in the escrow account associated with the home equity loan with Citizens Bank. The mortgage was originally associated with Investors Bank, which has been purchased and merged with Citizens Bank in XX/XX/XXXX. As of XX/XX/XXXX, the Annual Escrow Account Disclosure Statement provided by Investors Bank suggested I had a {$90.00} positive balance in the escrow account. Based on the Investors Bank 's Annual Escrow Account Disclosure Statement, I would have a surplus of {$52.00} and I received a check for the surplus. Throughout XXXX, I have always paid my mortgage payment including contributions to the escrow account on-time and the property tax stayed essentially the same. However, in XX/XX/XXXX Annual Escrow Account Disclosure Statement provided by Citizens Bank, I was informed that I had a negative balance of - {$150.00}. The loan with Investors Bank was transferred to Citizens Bank on XX/XX/XXXX. As such, I called and inquired the escrow department with Citizens Bank and I was told that from their records, my escrow account in the beginning of XXXX was in a negative {$30.00} plus balance. There are two issues with my escrow account : 1 ) The escrow account as of XX/XX/XXXX was in positive balance and I received a check due to surpluses. There is no way that the escrow account dropped to negative balance in the beginning of XXXX ( XXXX year end balance was {$90.00} and the surplus check was {$52.00} : {$90.00} - {$52.00} = {$37.00} ). 2 ) The escrow account is only used to pay property taxes. Given the property taxes stayed the same throughout XXXX ( i.e., no material increase ) and I have always paid my mortgage payment on-time, I could not understand as to why an initial negative {$30.00} balance would grow to negative - {$150.00} by XX/XX/XXXX. If the property tax stayed the same and I have always paid on-time, I would expect the deficit to stay roughly the same ( i.e., not growing from - {$30.00} something to - {$150.00} ). 

I have filed XXXX with CFPB and Citizens Bank closed the complaint after the investigation stating " On XX/XX/XXXX, you notified Investors Bank of a delinquent tax bill you had received. '' as the reason for the escrow account shortage. However, I have never received delinquent tax bill nor contacted Investors Bank ( now part of Citizens Bank ) during XXXX and XXXX regarding delinquent tax bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Risecredit, LLC
State: TN
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:
Account was charged off. Retained a debt management company to negotiate a settlement. Company signed agreement to report account a certain way after settlement paid. Charge off date is given XX/XX/2020 however this is date settlement was paid in full.Still includes on report a charge off of $ XXXXhowever reports {$1900.00} to IRS. As I was making payments monthly no payments are reflected on credit report. The company was named rise credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: MD
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:
I reviewed my credit report and noticed the following issues on my credit report : XXXX  XXXX XXXX THERE ARE SEVERAL INACCURACIES 1. The high balance IS INCONSISTENT WITH THE OTHER BUREAUS. The reporting information is supposed to be the same and accurate across all three bureaus please delete this account immediately!

2. The date opened is inconsistent with the other bureaus and is supposed to be accurate across all three bureaus please delete this account immediately!

3. The last payment date is inconsistent with all three bureaus and it's supposed to be accurate across the three bureaus please delete this account immediately!

4. The account type is inconsistent across all three bureaus and is supposed to be accurate across all three bureaus. Please delete this account immediately!

5. The credit limit is not reporting the correct information and should be reporting accurately across all three bureaus. Please delete this account immediately!

Please investigate and provide proof on how this account was verified. and delete this account 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