BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX, in XXXX Maryland, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 submitted a formal dispute with XXXX, XXXX and Transunion on XX/XX/2018 via certified mail. In this dispute I informed all of them that they were reporting unverified incorrect data on the credit file they possess under my name. I also reminded them that they are bound by the Fair Credit Reporting Act to report only true and verified data. As per FCRA laws, they are required to have a copy of the creditors ORIGINAL documentation ( a consumer contract with my signature on it ), on file, to verify the information being furnished is true and correct. I requested XXXX, XXXX and Transunion to provide me with copies of ALL documentation associated with this account entitled to me in accordance with FCRA Section 609 ( a ) ( 1 ) ( A ). I also requested all three agencies to provide me with the method of verification as per Section 611 ( a ) ( 7 ). I stated that in the absence of any such documentation they permanently DELETE the inaccurate unverified account on my file. The companies responded to me that they have " verified this account belongs to you ''. XXXX, XXXX and Transunion did NOT provide any information that i requested. No documentation was provided to me at all, they also provided no method of verification. This is AGAINST THE LAW and in  clear violation of my rights. I demand XXXX, XXXX and Transunion be held liable for reporting false invalidated information. To date, the account 'XXXX & XXXX, XXXX XXXX, XXXX XXXX , LA XXXX ' remains on my credit file and I want this account permanently deleted IMMEDIATELY as it is inhibiting my right to good credit.

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 2023-05-25
Company: EQUIFAX, INC.
State: MD
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'm " XXXX XXXX XXXX, '' and 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. The following accounts needs to be corrected immediately : XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXX Balance Owed : {$7400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation. 

Bankruptcy I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. 

As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting. Please supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes

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 2022-04-17
Company: EQUIFAX, INC.
State: CA
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:
With reference to the Fair Credit Reporting act, The following companies/account holders have violated my rights. 

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 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 : Also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: AMERIS BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a condominium on XX/XX/XXXX and the lender that provided me the mortgage was XXXX XXXX. On XX/XX/XXXX, this lender was acquired by Ameris Bank. 
Since that date, my monthly mortgage payment increased from {$1000.00} to {$1200.00}. In XX/XX/XXXX, I communicated with Ameris Bank and they requested copy of the Master Insurance of the building to be able to adjust the amount. In XX/XX/XXXX I called them back because the mistake was not fixed. Ameris bank answer was that after they reviewed the Master Insurance form noticed that the increase was cause not by the Master Insurance, but by the increase of the Property taxes so,  they requested the copy of the Property taxes bill. I sent to them copy of the bills from XXXX and XXXX and the difference between those years was just $ XXXXThis showed them that neither the Property Taxes was the reason for the increase of my monthly mortgage. 
During all this time I continued making the monthly payments because I did not want to damage my credit. In XXXX and XXXX, I send the amount they requested ( {$1200.00} ). In XXXX I decided to pay the original monthly mortgage payment of {$1000.00} because they did not have a reason to increase it. 
In XX/XX/XXXX, they decided to take the XXXX payment and put it in a Suspense Account, so they never reflected the XXXX payment for the contrary they started calling me and sending me to collection without a reason or explanation of it but they damaged my credit history. I have been doing everything that they requested me. In XXXX the send me a letter stating the my new monthly payment was adjusted to {$1000.00} without any explanation but they never went back to records to adjust the XXXX, XXXX, XXXX and the XXXX payment was still in the Suspense Account so they are reporting me since then that I never pay that month. 
I have been communicated with they through they server as per their request, but they stopped responding to my email. 
I called Ameris Bank to request information of their Legal Department to be able to send them a Qualify Written Request and they told me that they do not have a Legal Department and they did not know what was a Qualify Written Request. I spoke with a supervisor and she told me that they only option I had was to pay the missing monthly payment. 
On top of everything, they have gotten my payments before the XXXX of each month and they are showing them as late payments. 
Please help me to resolve this issue of the missing payment, to fix my credit report history and to stop their collection department to harass me. This is their mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX  XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$3100.00} ; XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX  XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$3800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  : {$0.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
i open an account through the mobile app on chime app. i had the account for a while and suddenly the company decides to freeze my funds for 2 years already and still going, with no attempts to contact me. they only respond to my emails with more questions which i have already responded. i have waited enough time, i have sent them a picture of my permanent resident id, and a selfie holding the id as they have requested in the email they sent me. the amount owe to me is XXXX is the last number i remember before my account was put on hold and my access was denied. i am afraid that the company will retaliate against me for asking for my money back. i have waited 2 years already and i am asking for more professional help to resolve this matter. my contact is XXXX, my phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: National Principal Group, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Today, XX/XX/XXXX I received a call left on my voicemail from a XXXX with the NP Group stating using location services to locate a XXXX XXXX XXXX and will start contacting people on reference file to locate me. I have received numerous calls regarding this from this company. Today, XX/XX/XXXX I called the number left on the recorder back at XXXX and spoke to a female that had information on me, I had not provided stating, I took a loan with XXXX in XXXX and was deposited in a XXXX XXXX XXXX and stated notes state, I had financial hardships on the account. To this day, I am experiencing financial hardships, currently not working and on Food Stamps and State assistance in the State of California. This company even contacted and harrassed my sister calling her on her cell phone numerous times trying to locate me. Note my sister has never been associated with any loan documents ever. Note, my car was broken into and all my records regarding this loan where stolen in the car theft. I have a police report to show proof. I feel National Principal Group is a predatory Bill Collection company that uses scare tactics and intimidation techniques to scare people into settling debt. This company needs to be educated in the Fair Debt Collection practices in the United States and these rogue collectors need to be reeducated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2015 before the sheriff sale, wells fargo gave a cleaning permission to break into my house. The company XXXX XXXX XXXX XXXX XXXX il stole all of my electronics and furniture. I made a police report and contacted the bank. The bank then told me they would compensate mr . They never did. They bank also assured me {$3000.00} in relocation monies if I did not destroy the house or take the appliances. We left the house in very good condition. The bank sold the house for {$50000.00} more than I owed and left my family out on the street with no relocation money. Then they are reporting that i owe them 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 2022-12-08
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: Personal information incorrect

Complaint:
I have called and mailed letters to Experian to have inaccuracte items removed from my credit file. 
I have also filed multiple FTC fraud reports as instructed by Experian all for the inaccurate information to remain. I have even sent paperwork with XXXX people with the same name as i have to emphasize the importance of the inaccurate information to be removed from my credit file. 
To date they still report inaccurate infromation and even sent letters asking for information that I actually sent them and even faxed them. 
Lastly they have even claimed to not have records of certified mail that I have proof was delivered. 

My current credit report dated XX/XX/XXXX still is reporting inaccurate information concerning my address. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is my address and ALL OTHER ADDRESSES are incorrect. They claim they are tied to accounts on my report without providing me proof. An address that my sister lived is on the 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 is reporting that I have never used. 

There multiple inquiries : XXXX XXXX XXXX XXXXXXXX XXXX which I never gave permissible or any other permission to access my credit file and there is no open account tied to this creditor on my report. I believe this is a metro2 violation XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/2022 which I never gave permissible or any other permission to access my credit file and there is no open account tied to this creditor on my report. I believe this is a metro2 XXXX XXXX XXXX XXXX XXXX XXXX which I never gave permissible or any other permission to access my credit file and there is no open account tied to this creditor on my report. I believe this is a metro2 violation

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 2022-04-17
Company: EQUIFAX, 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 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 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 XXXX inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 XXXX, The inquiry was not authorized XXXX XXXXXXXX XXXX of XXXX XXXX XX/XX/2020 XXXX inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2020 XXXX inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 XXXX inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/2020 XXXX following account is not mine XXXX XXXX Account Number : XXXX XXXX inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2020 XXXX inquiry was not authorized XXXX XXXX XXXX XXXX inquiry : XX/XX/2020 XXXX inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 XXXX inquiry was not authorized XXXX Date of inquiry : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 
XXXXXXXX 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

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 2023-08-28
Company: MRS BPO, LLC
State: OH
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Began receiving SMS and emails from MRS BPO with the content " Please contact MRS BPO , LLC at ( XXXX ) XXXX regarding a matter for SPECTRUM. MRS is a debt collector. If you want to opt out of future text messages reply with STOP. Visit us at : portal.mrsbpo.com To see important rights and information, click mrsbpo.com/state-disclosures '' on or possibly before Friday, XX/XX/2023. These emails were sent to spam by XXXX, and my SMS messages were marked, " spam risk '' by my cell provider. As such, I initially ignored them. 

On Wednesday, XX/XX/XXXX, I received notification from XXXX that MRS BPO had hit my credit score with a 6 point deduction. At this point, I immediately went to their website and paid the {$45.00} debt that they claim I owed. Their website informed me that my account was now paid and closed. 

On Friday, XX/XX/XXXX, I received notice from XXXX cable that a {$45.00} payment placed on XX/XX/XXXX could not be processed as I do not have an account with them. I checked back with MRS and saw that I still had only one account with them, and it was still closed, so I figured the debt had been incorrectly assigned in the first place, and didn't bother trying to figure out anything more. 

On Friday, XX/XX/XXXX, I filled out a loan application for a new home, and was notified that I had an outstanding debt of {$45.00} to MRS BPO. I also found that MRS BPO had hit my credit score with a further deduction after payment of the debt.

When attempting to call MRS BPO 's customer service to resolve this problem, I have been hung up on by their automated answering service after being identified on each attempt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In receipt of letter dated XXXX XXXX XXXX from Bank of America. I respond as follows : 1. I never made any request to have the address changed. When you change the address you have to sign for it with the post office. 
2. You provide copies of everything except proof from the postal service that a change by me or XXXX XXXX was requested. 
3. If an address change was requested, then why were the mortgage statements, 1099s, and other correspondence from BOA still coming to XXXX XXXX XXXX, XXXX, Va XXXX? 
4. In XXXX, when I spoke with your Bank rep, in search of my 1099 to file taxes, he said the address had been changed to XXXX XXXX XXXX, XXXX, Indiana. Please note that the first part of the address is the property address and the city and state portion of the address are where XXXX XXXX currently resides. This looks suspicious. 
5. In your response to the XXXX  inquiry, you admitted in your response that I was a victim of " fraud. '' I never requested to change the address. I will swear to this in any court of law. Please provide the proof. I think you are not being truthful, but I know your security and access logs for that account will tell the truth. Will you provide the access and security logs for the XXXX  - present? If you are being truthful, then the access and security logs for this account will reflect that. Please let me know if i have to create a formal request and mail it to the address located in your letter dated 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