BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-05
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act, 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. 
secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 

Inaccurate information on my credit report on accounts i have, some in good standings and others wrong amount reported. 
XXXX, XXXX XXXX XXXX XXXX loan. amount reported by bureau is XXXX mean while account standing is XXXX false account reporting identified here. 

XXXX, XXXX XXXX XXXX loan. amount reported by bureau is XXXX mean while account standing is XXXX false account reporting identified here. 

XXXX, XXXX XXXX loan. amount reported by bureau is XXXX mean while account standing is XXXX false account reporting identified here.

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 2023-02-05
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The following loan below were taken over By XXXX yet both XXXX and XXXX XXXX XXXX  are reporting them on my Equifax Credit Report. How is XXXX XXXX still reporting these loans to Equifax when they are no longer the servicer of the loans? XXXX is currently reporting these loans to Equifax as well therefore I am showing double the obligation on my Equifax Credit Profile. 

XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$900.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$13000.00} In good standing XXXX  XXXX  XXXX Reported : XXXX XXXX, 2023 {$23000.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$17000.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$740.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$13000.00} In good standing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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 XXXX, ( Original creditor XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX sold my old account to a collection service. I hired XXXX XXXX in XX/XX/2017 and disputed the collection account. It was removed in XX/XX/XXXX/XX/XX/2017 from all credit reporting services. Most recently the account was sold to another agency XXXX XXXX XXXX in the amount of XXXX. They are attempting to collect a debt that was already disputed and found in favor of me the consumer and dropped from my reports. It has now been added once again under a new firm. I called and explained this to them and they acknowledged the dropped dispute but then proceeded to try and tell me this was for a second line. They provided no proof and i was never notified of such an account.

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 2023-02-05
Company: JPMORGAN CHASE & CO.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Chase Bank 's website is not allowing me to login with correct credentials. The " forgot your password '' function does not work. I have reset my password several times only to have login reject my correct username and password. Their app has the same problem. I have contacted their customer service about this and nothing has been done. I have read stories of many others who have had the same issue over the past few months. I do not have the time or patience to call their customer service during their short hours of availability every time I need to pay my bill, nor can I hardly understand their internationally outsourced customer service representatives. I believe the inaccessibility for me to pay my bill is a major problem on their part and it needs to be fixed or else they should be penalized, or at least forced to notify customers that their website is not working properly, or temporarily shut it down and fix it so as not to mislead their customers into thinking online bill pay is an option when it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: OK
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:
Report number XXXX & date XX/XX/23 Report number XXXX & date XX/XX/23 in violation of the hero 's act which states : The COVID-19 pandemic has caused extensive and growing impacts not only on the public health and well-being of millions of Americans, but also significant economic harm as well. 
Through no fault of their own, millions of Americans are unable to make payments on credit cards, car loans, or even their mortgage or rent. 
Under CARES, consumers have to rely on the willingness of creditors and servicers to agree to forbearance or other payment arrangements in order to be protected by the new law. 
The Heroes Act replaces the CARES Act provision with much stronger consumer protections. The Heroes Act ( Section 110401 ) helps consumers in several ways Suspends negative consumer credit reporting during the COVID-19 pandemic plus an additional 120 days.

Prevents credit scores from being ruined by preventing adverse information being added to consumer credit reports and prohibiting credit score furnishers from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the COVID-19 pandemic.

Bans COVID-19 medical debt reporting, in particular any debts relating to COVID-19 medical procedures or treatments. Consumers impacted by the staggering costs of medical care should not face diminished credit options due to getting sick in a global pandemic. 
# # # The Heroes Act ensures that these innocent consumers are held harmless and do not suffer further damage by having late or missed payments ruin their consumer credit report and reduce their credit score, which in turn limits their ability to get affordable credit or even a job.

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 2023-02-05
Company: ENCORE CAPITAL GROUP INC.
State: IL
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:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record immediately. Because my laws have been violated! 

Item Number Company Name Account Number Comments 1. Midland Credit Management MCM Account # XXXX, Original Account Number : XXXX 2. XXXX XXXX XXXX, Reference ID : XXXX Account # : XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. 

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 
I am requesting the original purchase agreement that shows they are the legal owners of these alleged debts. Please include all the terms and conditions that are included these purchased agreements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a Wells Fargo account from XXXX to XXXX. They would hold my funds or freeze funds when making deposits. They did alot of fraudulent things to my accounts such as using minor savings accounts to cover overdrafts that were not linked to my checking accounts. 
I have not received notice from the lawsuit. My accounts were in my previous name 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 2022-05-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
WF CRD svc, THIS BANK SENT A REPORT THAT I PAID LESS THAN THE FULL BALANCE THIS REALLY DAMAGE MY RECORD, WE SETTLED AN AMOUNT XXXX OR SO. TO PAID AND THEY AGREED THE AMOUNT BEING PAY MONTHLY SO STARTING PAYING ON XX/XX/XXXX AND CANCELING THE DEBT ON XX/XX/XXXX. WF CRD SVC NEW THAT I LOST MY JOB THEY OFFERED ME TO SETTLED LESS IN ORDER TO PUT THE ACCOUNT IN GOOD STANDING. BY THEY SENDING THE REPORT IN NEGATIVE STANDING IS REALLY IMPACTING MY CREDICT SCORED. I PAID ON TIME AS WE ( ME AND THE WF CRD SRV AGREED ) WHY THIS ACCOUNT IS NEGATIVELY REPORTED ON THE BUREAUS? i WISH TO SOLVE THIS ISSUE AND AND HOPEFULLY THE NEGATIVETLY BE DELETED INMEDIATELY. PLEASE. THANK YOU

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 2018-03-20
Company: ENCORE CAPITAL GROUP INC.
State: MI
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 have paid an attorneys office XXXX XXXX XXXX after they reposessed my vehicle on XX/XX/XXXX for this credit card debt ... ..i got my car back after paying in full,,, the original debt was XXXX from XXXX XXXX , but i had to pay XXXX after the towing service for my vehicle they took from my home as collateral to get me to pay my delinquent XXXX XXXX  credit card ... i have paid in full in XX/XX/XXXX, and on XX/XX/XXXX they reported my credit bureau as this full balance being delinquent still ... it is still affecting my credit. i have been in touch with the attorney office and XXXX XXXX, and no help..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: Mr. Cooper Group Inc.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am desparate for help and am otherwise powerless to get credit for a {$1600.00} payment to Nationstar/Mr. Cooper debited from my XXXX on XX/XX/2021 via an ACH transfer. Nationstar/Mr. Cooper will not take action to either refund or credit my account for the {$1600.00} that they received on XX/XX/2021 despite numerous responses to their request for the federal ACH trace number. XXXX XXXX  has provided Nationstar/Mr. Cooper the ACH trace number- # XXXX four times. I have had four phone separate three way calls between XXXX and Nationstar. 

Can you please intervene? I do not know what to do. 

Additionally, it is incongruous that my account was debited for the {$1600.00} and also for another {$290.00} that I sent to this financial institution via XXXX through ACH on the same day at the time to the same address-neither remittance had an account number and Nationstar/Mr. Cooper returned the {$290.00} but will not return or credit the {$1600.00} it received via the same delivery on the same day. The {$290.00} refund proves that Nationstar received the ACH transfers on XX/XX/2021 from my XXXX account. 

Also, XXXX not only sent confirmation of payment to Nationstar at their designated mail depot, but to these two specific Nationstar agents XXXX and XXXX on XX/XX/2021. I also communicated with these agents stating that I was at the XXXX and they provided that Nationstar had received three separate communications with the ACH trace number # XXXX legally establishing payment to Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Experian Information Solutions Inc.
State: AE
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:
I have not received any response from these accounts I submitted for disputes : XXXX XXXX Account # : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX Account # : 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 2023-03-18
Company: Experian Information Solutions Inc.
State: NM
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 contacted the Credit Reporting Agencies via Disputed letter after I purchased a credit report with XXXX  on XX/XX/2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that the late payments on the following accounts be corrected and fixed as soon as possible : XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$31.00}. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law.

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 2023-03-18
Company: Experian Information Solutions Inc.
State: NM
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 fourth endeavor via CFPB Complaint 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 XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX  XXXX, NM XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX Balance XXXX {$2700.00} XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022. I am formally requesting that you include the following fraudulent items to be removed from my Credit report. If you are unable to send me any documents pertaining that the disputed items belong to me, immediate deletion of the diputed items will be 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 2023-02-05
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello, this matter is in reference to case number XXXX XXXX I was contacted by XXXX from PayPal stating " we won't be able to refund the payment or close the case in your favor because the item was delivered to the same address we have on the shipping details, signed by XXXX XXXX ''. I never stated that the package " wasn't delivered ''. I stated I never received the package ''. The item was indeed delivered but left outside of my screen door, which I have attached a picture to this message. However, the XXXX left the package in an area making it easier for anyone to walk pass my house and take it. The XXXX  also did not ring the doorbell, nor did the XXXX  knock on the dooras I was home all day. When I finally did track the package and seen that it was delivered, the package was no longer outside of my door. I have contacted the seller on multiple occasions about this issue, and no help was provided. Ive also contacted XXXX and was not able to file for a missing/lost package. PayPal insist that I file a dispute with my financial institution, however, the transaction was placed through my PayPal account using my PayPal balance. Ive been trying to get this issue resolved through PayPal since XX/XX/XXXX of 2022 and still its ongoing. I would like to be refunded for this transaction, as Ive never received the package and this issue settled. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-31
Company: Experian Information Solutions 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:
THERE IS NAMES AND ADDRESSES THAT DO NOT BELONG TO ME

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 2020-11-05
Company: CONTOUR MORTGAGE CORPORATION
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I am filing a complaint against Contour Mortgage. Especially the unprofessional mortgage lender we had XXXX XXXX. Also against the owner. XXXX XXXX was unprofessional with giving our personal info to his friend BC they are related to us and we didn't give our permission for him to do so. Also his threat to not close our loan on the last day before BC we confronted him via text. There have been many thing along the whole process. He told my husband when he was fighting with his wife. XXXX why don't you come XXXX the XXXX out of my wife and I will come XXXX the XXXX out of XXXX. He got fired from previous company while in the process of our loan. We stayed with him BC he had our info and BC he was a friend of my brother in law. However I wish we didn't BC this was the worst experience ever. And after stay all this happened. So unprofessionally.I asked him who his boss is and his response was himself. He also called and had me almost have a breakdown BC he decided to call and team us that they denied our loan when we were already out of our other house and living with our XXXX kids at my in-laws. Who cried everyday that we were homeless. How is this funny. I had him on speaker and my in-laws flipped out on him. This is just the tip of what we went threw. I want to presume charges for the emotional pain he caused. My husband and I never have fought so much. The company signed an addendum to pay for storage in the house that they came up with. But at closing decided to only pay XXXX for movers and storage in new house of our stuff that they came up with. I had to pay {$4000.00} to sellers. I didn't agree to. They supposedly said they had a cap. However this was never relayed to us. So we got stuck with the bill. And this was the owners doing. I have the addendum that has no limit or days on it. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-05
Company: EQUIFAX, INC.
State: LA
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 recently received a XXXX from XXXX XXXX. The amount is incorrect on the credit report. The amount on the report is larger than what's on the XXXX, making me look as though I owe more. At this time, this is considered income because I have to pay taxes on the XXXX. I demand that the account be deleted because it is now income and not credit.

Company response to consumer: Closed with explanation