BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 these creditors XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights under 15usc1681 section 602 states i have a right to privacy 15usc 1681 section 604 ( A ) section ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instruction under 15usc 1666 ( b ) 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 2022-11-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX  ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX  ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX CAP 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 ) 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 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 2017-04-05
Company: COMMERCE BANK
State: SC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I closed this credit card account about 1 1/2 years ago. They keep assessing my account a maintenance fee, do n't send me statements, then I get past due notices from them saying I owe them for the maintenance fee and then months worth of late fees, this time around, {$320.00} and they are leaving derogatory remarks on my credit, which is hurting significantly! 

I have called and spoken with them twice ( the last time I did was with XXXX ), and they had removed the charges from the past times this happened and assured me it would n't happen again. I asked for something in writing, but XXXX said she could not provide me anything in writing. 

I got another notice on XX/XX/XXXX about it saying I owe them {$320.00} ( most of which are for late fees on an account that was paid in full and closed in XX/XX/XXXX, w/out ever sending me a monthly statement ). This is now negatively effecting my credit score!! 

The name of the bank is Commerce Bank, XXXX XXXX XXXX, XXXX XXXX, MO XXXX, XXXX. 

Again, this is the 3rd time it has happened, the past 2 times I called them and they said they took the charges of the account and said that everything was resolved and the account was closed. Both times I spoke with them, they told me everything was cleared, the account was closed for good, and it would not happen again. 

I do not have access to the full, 16-digit account number anymore ( the card was discarded 2 years ago and I no longer have online access ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: OH
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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: Atlas Credit Company, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The Amount started at {$500.00} in XXXX. They kept getting me to refinance. I was paying them {$100.00} per month up until I lost my job last due to Covid-19 last month. I know I paid them well over a year {$100.00} a month but I could never get finish paying it off. They started calling me and my family members constantly. And today XX/XX/XXXX someone from Atlas Credit showed up at my door. And after I asked her to leave my house she continued to knock on my door. Then started sending me text messages. 
The company name is Atlas Credit Co., Inc. Located at XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 

TransUnion : XXXX  XXXX XXXX Balance : {$0.00} This account was paid through my bankruptcy. Continued reporting is classified as a Discharge Violation of the Automatic Stay by Order of federal court. Remove 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 non-monetary relief
Consumer complaint received 2021-08-12
Company: Experian Information Solutions Inc.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
compromised credit file. 5th attempt. license are on your file.

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 2022-09-16
Company: ProCollect, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Name : XXXX XXXX XXXX : Procollect, INC./ University XXXX XXXX : XX/XX/2019 but paid off XXXX Amount : {$1600.00} Actions : They set the status as paid but it continues to be open and not closed 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 2022-05-02
Company: JPMORGAN CHASE & CO.
State: IN
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:
On or about XX/XX/XXXX, XXXX reported several late payments marked as past due on several accounts reporting on consumer 's XXXX account. One of the accounts is JPMCB ( XXXX ). Its reflecting late payments for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I've already contacted JP Morgan Chase Auto ( JPMCB ) in regards to the late payments, in which I submitted a good will complaint via phone to JP Morgan Chase Auto to update the accuracy of the account, and to update the late payments to reflect paid on time. JP Morgan Chase Auto refunded consumer of all late fees, but the account still has not been updated to reflect accurate and " PAID ON TIME ''. This inaccuracy is affecting consumer 's credit worthiness and fairness of reporting per FDCPA and FCRA standards of reporting and accuracy. XXXX is obligated to report compliantly and to 100 % truth, correctness, completeness, timeliness, and documented irrefutable proof of ownership and responsibility of any allegations of adverse aspects to an account or of a derogatory account in and of itself. XXXX knows an account CAN NOT report XXXX days prior to 30. I have already informed XXXX that there is inaccurate reporting on THIS ACCOUNT. The other inaccurate account that's reporting on consumer 's report is XXXX ( XXXX ). This account is reporting inaccurate, consumer reached out to XXXX in regards to the inaccuracies of late payments being reported for XX/XX/XXXX, this XXXX account has always been in deferment, so there should never be any late payments reflecting on consumer 's credit history for any and all XXXX accounts. Per the metro 2 data formatted standards of legal reporting of consumer accounts and profile history and per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that XXXX is MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that XXXX is deficient of its requisites to report adequately and a challenge ( or dispute ) is lodged versus any data information previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, 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 information incorrect

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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
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:
Help, Help, Help. 
Equifax Credit Bureau Company is ruining my credit score and having my credit report full of false information. XXXX  XXXX XXXX XXXX, XXXX, notified me today, on XX/XX/2021, that Equifax XX/XX/2021 had lowered my score and added a negative statement to my report. Equifax has lowered my score and ruined my report because the company received information from XXXX  ( The Mortgage Company ) that my account is delinquent. I do not have any delinquent accounts ; I repeat, I do not have any delinquent accounts. I am attaching all the official letters for the investigation. I worked hard all my life to maintain a good credit score and to have an excellent credit report. Equifax Company must stop building its decisions on false information. The company has to change back my score and report to where it used to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: PA
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've noticed that these accounts and loans are unauthorized on my credit report and is affecting my credit score. I am asking that the following accounts be removed being as though they don't not belong to me. According to the FCRA any false information should be removed from a consumers 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 non-monetary relief
Consumer complaint received 2023-07-31
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The company called me today, XX/XX/2022 stating that they have filed a judgement for a debt that was unknown to me at the time of the call. They told me that I would receive a certified letter in the mail. When I called them back to get more information the person I spoke to mentioned a debt that I settled over 15 years ago. He told me that they sent me a letter last week, which I did not receive. To prove his point, he repeated my social security number over and over to me. I asked him to stop and to give me a contact email, fax number, or address to send my settlement letter to. He again repeated my social security number and then hung up without giving me further information. 

This company then proceeded to call my immediate family requesting to confirm my mailing address for the certified letter they will send me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third 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 FTC 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 2022-01-31
Company: Mr. Cooper Group Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Pursuant to Florida statute 695.26- " No instrument by which the title to real property or any interest therein is conveyed, assigned, encumbered or otherwise deposed of shall be recorded by the clerk of the circuit court unless : ( d ) " The name of the notary public or other officer authorized to take acknowledgments or proofs whose signature appears upon the instrument ''. Section 694.05- '' Any deed or conveyance heretofore executed and acknowledged in accordance with provisions of the act 24,1873, entitled " An Act providing for the acknowledgment of deeds and other conveyances of lands '', shall be held good and valid. Section 694.08- a conveyance can not be validated in the absence of the acknowledgment. Section 679.2031 - '' A security interest attaches to the collateral when it becomes enforceable against a debtor with respect to the collateral, however not until the following condition is meet : 1. " The debtor has authenticated a security agreement that provides a description of the collateral and, if the security interest covers timber to be cut, a description of the land concerned. '' The lack of acknowledgment on the loan modification renders the instrument invalid in this state, the statutes are straight forward. The loan modification does not reflect the legal description to the subject property. Can a mortgage be reform in Florida? it depends on the contract itself ... .if there's a simple scrivener 's error it can be reform, however not in this case. Why? Because the legal description is missing in it's entirely. The instrument must be destroyed and the mortgage must go back to its original status. Under Florida section 697.02 .... " a mortgage shall be held to be a specific lien on the property therein described, and not a conveyance of the legal title or the right of possession. Mr Cooper filed a lawsuit on behalf of the alleged owner of the note claiming a breach of contract based on the loan modification. Mr Cooper has engaged in a frivolous complaint as the loan modification is invalid and never conveyed title to anyone. You can not enforce an instrument where has no enforcement and /or invalid in this state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
There is a Bankruptcy on my trans union report that is not mine Ive disputed several times and have contacted the courts and was told they did not report this. Ive contacted all parties and have got no valid confirmation as to why this exists on my report please verify or remove. 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 non-monetary relief
Consumer complaint received 2022-01-31
Company: PNC Bank N.A.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attempted to close my online checking account with PNC Bank after withdrawing my funds early in 2021. PNC did not close the account and charged me for monthly service fees. Now Im being contacted by a debt collector to collect fees for an account I had zeroed out and closed. I contacted PNC via chat and phone and was told customer service can't do anything about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-20
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a telephone call from Convergent Outsourcing, allegedly from a " XXXX '' area code number, at XXXX XXXX   on XXXX XX/XX/2019 asking for a person I don't know, has never lived with me, and to my knowledge has never had the telephone number I've had for years now. It's obvious to me they do XXXX diligence to ensure they're calling the right person - which is easy to do on a computer connected to the Internet in about 5 minutes. They don't care who they call and harass, including the innocent who have no debt. This is unconscionable and despicable. Until they feel the financial pain of engaging in such reprehensible and nefarious behavior, they will not cease.

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 2020-12-18
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Huntington Bank has {$7500.00} of my money and they will not release the funds. They are demanding I go into a branch instead of just returning the electronic deposits I made.

Company response to consumer: Closed with explanation