BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: Experian Information Solutions 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:
I am writing to address a matter of utmost importance regarding my credit report, specifically pertaining to billing errors under 15 U.S. Code 1666 ( b ) ( 4 ) and ( 5 ), as outlined below : ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

Upon reviewing my credit report, it has come to my attention that there are multiple billing errors on my accounts, and I suspect a violation of 15 U.S. Code 1666 ( b ). As per my understanding, the creditor failed to notify me 21 days before with a statement, and as a result, there should be no late payments reflected on these accounts. I am formally requesting hard, solid proof from your institution 's records demonstrating that I did not make a payment and was consequently marked as late, as this appears to be a billing error. 

The specific account details in question are as follows : Account Name : XXXX Account Number : XXXX Late Payment Date : XX/XX/2023 I insist that these items be promptly updated on my consumer report to reflect the accurate status of " paid as agreed. '' It is my right as a consumer under the law, and I expect compliance within a reasonable timeframe. 

If these accounts are not updated or deleted immediately, I want to make it clear that I reserve the right to seek monetary compensation for the violation of my rights under 15 USC 1681n civil liability. I am prepared to pursue legal action in small claims court in my city and state. 

Furthermore, I have taken the initiative to involve relevant authorities by filing a complaint through the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. This matter is of great concern, and I trust that your institution will address it promptly and rectify the inaccuracies on my credit report. 

I anticipate your swift attention to this matter and a resolution within the statutory time frames.

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 2022-01-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I sent a wire transfer of USDXXXX on XX/XX/2021 from my account under XXXX XXXX to my Chase Saving account, I didn't receive the fund after the wire and I realized that I put the account No. without the last 6, generally it should bounce back to my original account because the name and the account didn't match. I called several times but couldn't go through so I scheduled a meeting with a banker in my home branch on XX/XX/2021, the staff helped me to call the service and I was told the fund went to the wrong account, I doubted that why they credit the fund to an account name and account didn't match, the banker helped me the submit a ticket saying someone will contact me, but no one contacted me, they also mentioned I should get the original bank to amend the information and send to Chase, while I am waiting for the callback I contacted the original bank to send the amend, they sent on XX/XX/2021 and I went to the bank to meet them, then they told another story, they informed me the only way to do the investigation of a wire transfer is to send security message through the Chase App, the banker helped the create one message, but the response always came back as a generic message to show general, no one looked into the specific case and let me know what's the next step Chase was going to take. I went to Chase on XX/XX/2021 to complaint to the branch manager, he asked the banker to submit an executive investigation letter of this issue, it was supposed to get a reply in 2 business days, someone got back to me on XX/XX/2021 showing he knew what happened and could be the case specialist, and on XX/XX/2021 he called me again saying no one was responding on the case and he had to close the case but will still follow up. I didn't receive any response for now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Experian Information Solutions Inc.
State: OH
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 sent in a dispute for the negative items on my report in XXXX and XXXX of 2018 to the three reporting agencies I did not receive any update on my dispute in the mail or email from these reporting agencies. Under the FCRA if they can not validate the account is true and accurate to me or respond in 30 days the collections have to be removed. Also, these collections on my report I've never heard of or contracted with so I do not owe these collection companies on my report ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX of XXXX ). I do not owe this debt and they did not and can not provide a validation and signed contract with my signature. I asked that these collections be removed per FCRA 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 2023-02-21
Company: CITIBANK, N.A.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received notice that a hard inquiry hit my credit report. This was unauthorized. XXXX representative provided me with the following info : on XXXXXXXX XXXX, a hard inquiry was placed on my report by Citibank ( CBNA ) and provided me a phone number for Citibank. I called the number an they were unable to give me any information based on me giving them my SSN.

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 2017-10-03
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have called Equifax, XXXX, and XXXX several times disputing hard inquiries on my report that I have not authorize. Especially Equifax after the breech, since it states that I could be effected by the breech. They state '' that I need to contact the credit companies to have them removed from my credit report ''. I have called the credit companies that pulled my credit and they state " that the three credit bureau has to do the removing ''. So I have called them back and stayed on the phones for hours for the three bureau 's to tell me it 's nothing they can do. These inquiries are on my report without my knowledge and I want removed for its hindering my credit score from working on purchasing my house next year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Vehicle loan or lease
Sub-product: Title loan
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I receive about 3 pieces of mail a week from XXXX XXXX and have sent about 100 back in the mail to them to stop sending me their unsolicited mailings and that I am not interested. I have called them about 20 times to take my information out of their system and I still receive them. I called again today XX/XX/19 and spoke with XXXX XXXX to take me off of their mailing list. It's harassing at this point that I am not interested, I am on a do not call registry and also the opt out on mailings and I still receive these mailings on a weekly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Act # XXXX with XXXX  has been settled no balance due. Credit report needs to be updated and its not getting updated with agencys.

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 2017-10-03
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Creditors Bureau Associates is trying to collect a medical bill on behalf of XXXX XXXX XXXX ( of which I do not recognize ) and have reported it on my credit and should not be there because medical bills are not lines of credit. Opened XXXX XXXX, XXXX ( of which I had insurance through XXXX or XXXX XXXX XXXX, up until XXXX XXXX I believe ) Amount of {$210.00}. I have asked XXXX and the creditor that they please remove this from my credit as IT IS NOT A LINE OF CREDIT. 

XXXX XXXX XXXX XXXX is trying to collect a medical bill on behalf of XXXX XXXX XXXX ( of which I do not recognize ) and have reported it on my credit and should not be there because medical bills are not lines of credit. Opened XXXX XXXX, XXXX. Amount of {$460.00}. I have asked XXXX and the creditor that they please remove this from my credit as IT IS NOT A LINE OF CREDIT. 

I have also requested XXXX to remove several hard inquiries that I do not recognize and/or did not authorize and they have yet to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
Account was closed by consumer in XXXX, 2017. Medical hardship occoured, later filed bankrupty. Account reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, 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:
This is XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. 
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  Please update or validate the listed accounts for their information is misleading and must be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Investigation took more than 30 days

Complaint:
I sent a letter out on XX/XX/2023 to XXXX Transunion And XXXX. Here is my tracking numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, however it has been more than 30 days and the credit bureaus have failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. code 1681i-Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the day the agency receives the notice of the dispute from the consumer or reseller

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 2021-02-27
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I pay my mortgage and always have over a month in advance and it has normally been processed and reflected as paid on my next statement, or XXXX due for the upcoming month. on XX/XX/XXXX XXXX I paid my XX/XX/XXXX payment and it was credited correctly. On XX/XX/XXXX I paid my XX/XX/XXXX payment and they applied it as ADDITIONAL PRINCIPAL meaning my next advance payment on XX/XX/XXXX for XXXX was applied to XXXX and now I owe ANOTHER PAYMENT. The servicing company Mr Cooper knows and acknowledged the mistake and said they would adjust it. There were also supposed to call me back and never did so I called back and they pretended there was not record and said they would adjust the payment and apply it to XXXX, but it still has not been done. They have also not given proper notice of escrow increases and never gave me an opportunity to pay the difference to keep my payment managable and the same. The loan has been sold over five times and had five servicing companies, and SETERUS was even worse than Mr. Cooper about responding or adjusting even when they admit they made a mistaken application to additional principal when knowing I intended it as a monthly payment a few weeks in advance as I always do. I want this payment applied correctly because during this time business is very slow and I need the money and not to make an additional mortgage payment due to MR COOPERS mistake. These people will hound you all day long if you a day late, but never return calls or respond or escalate a situation where they have made an error and then deny that you ever even called. They do not give you an opportunity to bring your escrow up so that you don't increase your payments. Then they want you to go to online billing and and TRUST THEM. I am furious at the time I have to spend to get the right department and the actual person to service me hours on phone for this, when only a human can fix it, and even then, refuse to do so, causing me the fear of not having enough money right now and them forcing the books to look like I did not make a payment this month ... .Additional Principal XX/XX/XXXX {$50.00} {$50.00} {$0.00} {$0.00} {$0.00} {$170000.00} Monthly Payment XX/XX/XXXX {$1700.00} {$430.00} {$580.00} {$730.00} {$0.00} {$170000.00} Additional Principal XX/XX/XXXX {$1600.00} {$1600.00} {$0.00} {$0.00} {$0.00} {$170000.00} Additional Principal XX/XX/XXXX {$9.00} {$9.00} {$0.00} {$0.00} {$0.00} {$170000.00} Monthly Payment XX/XX/XXXX {$1500.00} {$420.00} {$580.00} {$570.00} {$0.00} {$170000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

This account should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY! 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XXXX, XXXX and XXXX of XXXX  I fell behind on my car payment due to financial instability. since XXXX of XXXX I have been back on track with no late payments, I have sent in several goodwill notices to get this handled with no results and it's causing me great distress that this is happening to me, since technically under U.S. code 1681 ( a ) sharing my transaction history is considered illegal under the consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: 21ST MORTGAGE CORP.
State: MS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I got this home in 2019 and moved in and my payments were affordable but after my children didnt go back to school i had to buy more food more house hold items plus computers for there work and get the internet which it is higher in our area due to us being at the location that we live in. well the mortgage company went up XXXX XXXX extra dollars on my note. That was a bit to much so i fell farther and farther behind, now they are trying to take my house. I have XXXX children and its been hard on me. There father got XXXX in a XXXX XXXX  and its been very hard on me because im all they have and Im trying my best but being a XXXX XXXX  and trying to maintain the well being of my children is hard. I really need the help to get back on my feet. i havent been in a bad situation like this before but what i do know is that if i could get the help it will be greatly appreciated. Thank you for your time a patients to read this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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.

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 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 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2017-10-03
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX Update XXXX XXXX XXXX/XXXX/XXXX, I received a packet of information from XXXX regarding the closing of my account. All that was included was a duplicate of a letter they had sent along with a copy of the cardholders agreement. 

I have reviewed the cardholders agreement and XXXX is in violation of the agreement. 

The default clause list why the account would be considered in default and closed, this account does not match that criteria. No payments were late, I did not exceed the credit limit, I did not fail to comply with the agreement, and there were no indications that I was " unwilling or unable to pay '' my debts " on time. '' Additionally, while the cardholder agreement does state that XXXX XXXX from time to time review my credit, it does not state that any information obtained during the credit review will be used to close or otherwise default the account. 

At this time XXXX has still not attempted to make this right or abide by their own agreement. 

***Original Complaint *** I opened an account with XXXX in XXXX. I made charges to the card. On XXXX/XXXX/XXXX I checked my balance and found out that the card was closed. I called the bank to find out what happened, why the card was closed after 3 months. They said they did a periodic check on my credit and decided to revoke the card. Now, since I had opened the account, my overall credit card balances has gone down and my XXXX XXXX up. Now that they closed the card without warning, my credit took a XXXX point hit. They wo n't elaborate on what changed and they are refusing to make it right with the credit bureaus.

Company response to consumer: Closed with explanation