BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-07
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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX and Equifax have both made errors reporting and reviewing my credit report. The bureau and the credit union have both overlooked two 30 day late payments that are inaccurate for the months of XXXX & XX/XX/XXXX. I have proof that both payments were submitted and transferred from my checking account before the 30 day mark was hit for both months. I also have proof that these errors on the reporting were caused by the employees of XXXX XXXX XXXX XXXX. 

An error was made by failing to update my ACH payment date & account which caused this problem. After I had submitted new paperwork to update the ACH account, they still made attempts to withdrawal from my saving instead of my checking. Finally after XX/XX/XXXX they decided to finally fix the issue. 

They wrongfully tried to withdrawal money from my savings account for the month of XX/XX/XXXX which is included in the attachments. In XXXX I received a phone call that the payment was overdue, and needed to be submitted due to this issue. I submitted payment on the XXXX along with the new ACH form and they only finally withdrew the amount on XX/XX/XXXX. They then attempted to withdraw from my savings again on XX/XX/XXXX and then finally for some reason withdrew my payment on XX/XX/XXXX for the month of XXXX. 

The payments are scheduled to be withdrawn on the XXXX of each month. Even though they decided to wait until after the XXXX holiday to withdrawal my payment for XXXX ( which was submitted on the XXXX ) the payment finally landed on XX/XX/XXXX due to their error. The XX/XX/XXXX payment requires little explanation as that falls nowhere near the 30 day mark since it was withdrawn on the XXXX. 

I have recently filed two different disputes over this same issue. The first dispute was filed XX/XX/XXXX, the second dispute was filed on XX/XX/XXXX. Both times the dispute was found to be inaccurate by bureaus and the credit union and they have not changed the notices on my report. I have sent the bureau and the agencies these pictures as well but have had no luck with the change. I have directly contacted the credit union multiple times via email & phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: AMERIS BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX I took out a mortgage for property at XXXX XXXX XXXX in XXXX XXXX, Georgia with Ameris Bank. I sold the property and the mortgage was paid in full on XX/XX/XXXX. 

I did not receive my escrow disbursement so I called Ameris Bank on XX/XX/XXXX. I was told that a check in the amount of {$7100.00} had been issued on XX/XX/XXXX and sent to my current address. Since it had been 20 days since the check was sent and I had not received the check, I requested that a new check be sent. I was told that I would have to wait until XX/XX/XXXX to call back and request a new check. I called back on XX/XX/XXXX and was told that I would have to wait until XX/XX/XXXX to call back and request a new check. 

On XX/XX/XXXX I sent the attached letter to Ameris Bank requesting an immediate refund of my escrow account. On XX/XX/XXXX I called Ameris Bank and was told that a new check would be issued in 30 to 60 days. I requested to speak to a manager and the manager stated that he would try to expedite the process. I have heard nothing from Ameris Bank since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Account is reporting late payments during covid and while on deferment these are FCRA violations. Remove this late payment reporting in XX/XX/2020 on account 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 explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing in regards to a charge off account with XXXX XXXX XXXX, account number XXXX. I am disputing the information that has been reported on my credit report and would like to request an investigation into this matter. 

According to my credit report, this account has been charged off, however, I have reason to believe that this information is incorrect. I have never received any notifications from XXXX XXXX XXXX regarding this account, and I have not received any statements or invoices. I also have no recollection of any transactions or payments made towards this account. 

Furthermore, there are discrepancies in the reported addresses associated with this account. The previous addresses listed on my credit report are incorrect and do not belong to me. I have never lived at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX or any of the other addresses listed on my 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 2023-05-04
Company: EQUIFAX, INC.
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 want the company to remove the fraudulent inquiries in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Last Thursday the morning my dad passed the bank froze my accounts one day after refunding fraud charges that were done on my account they have call my. Money held as nd accepted my XXXX check after the freeze and arent allowing me access to any of the funds I cant get home to my family feed myself or my kids or pay my house payment or utilities and I dont owe the bank money theres over XXXX dollars frozen

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Home Loan 1st and 2nd originated XXXX we paid off the 2nd Loan number XXXX XXXX Chase can not provide the Escrow company evidence that we have paid off the loan. We have not been contacted about this loan and now this old loan is keeping us from getting our new home. 

With this lack of help. I only am told they escalated the scenario. But they won't provide any additional information. 

Chase send us the following e mail -- -- -- -- -- Forwarded message -- -- -- -- - From : Lien Release Customer Research XXXX Date : Tue, XX/XX/XXXX, XXXX XXXX  Subject : Chase Case # XXXX RE : URGENT REQUEST FOR CASE NO. XXXX Customer ( s ) name : XXXX and XXXX XXXX /CLOSING ON THURSDAY XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX via XXXX XXXX Hello, I am writing in response to your recent request about the home mortgage loan referenced above. We have fulfilled your request by completing the following : We can not process a release for the XXXX of Washington. The release will be processed by a 3rd party vendorno ETA. They will have the release processed and sent directly to the county for  recording. This case will remain open and monitored until the issue is resolved. An update will be provided as soon as a copy of the release is received from the vendor. 


Thank you, Lien Release Customer Research ( XXXX ) From : Lien Release Customer Research Sent : Monday, XX/XX/XXXX XXXX XXXX  To : XXXX Cc : XXXX XXXX via XXXX XXXX Subject : Re : URGENT REQUEST FOR CASE NO. XXXX Customer ( s ) name : XXXX and XXXX XXXX /CLOSING ON THURSDAY XXXX XXXX Hello, Customer ( s ) name : XXXX and XXXX XXXX Your closing date has been noted. According to case number XXXX, your request is still being worked on. Please allow more time for resolution. 
If you have any further questions, please contact our Customer Service Department @ XXXX and reference your case number with all inquiries regarding your request. 
Thank you, Lien Release Customer Research Logging

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my another endeavor to tell credit bureaus 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, NC XXXX ; XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX US DEPT ED XXXX XXXX Owed : {$2500.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$460.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DOE XXXX XXXX Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX BalanceOwed : {$160.00} ; US DEPT ED XXXX Balance Owed : {$4200.00}.

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 2023-04-07
Company: Experian Information Solutions Inc.
State: VA
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 is XXXX 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.

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 2018-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have requested TransUnion investigated the inaccuracy of two accounts XXXX XXXX XXXX   and XXXX. XXXX XXXX is reporting inaccurate account information the last payment date XX/XX/XXXX and the date the account closed date XX/XX/XXXX. A charge off can only be processed 6 months after the account is delinquent. The second issue I requested an investigation on the inaccuracy of XXXX reporting a charge off and a high balance. The account did not state the account was sold or transferred.

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 2023-03-14
Company: Self Financial 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:
I was never 30days late ( SELF ) can not prove I was ever 30 days late ( SELF ) is in violation of 15 U.S.C.1681s-2 ( A ) ( 1 ) 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. 
The credit report ( attached ) shows that the information being reported by ( SELF ) does not match between all three credit reporting agencies, which means somewhere there must be an inaccuracy How can ( SELF ) be reporting accurately to the credit reporting agencies, if each credit reporting agency has different information? 
the account number for the ( SELF ) account does not match between all three credit reporting agencies the payment status for the ( SELF ) account does not match between all three credit reporting agencies the date of last active for the ( SELF ) account does not match between all three credit reporting agencies the payment history for the ( SELF ) account does not match between all three credit reporting agencies ( 24 months ) after previous dispute, ( SELF ) illegally shuffled dates around

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX ( XXXX ) XXXX XX/XX/2023 Dear XXXX, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX XXXX : {$420.00} Account # XXXX Party Owed : XXXX XXXX  Amount : {$2600.00} Account # XXXX Party Owed : XXXX XXXX XXXX XXXX : {$500.00} Account # XXXX Party Owed : XXXX XXXX XXXX XXXX : {$360.00} Account # XXXX Party Owed : XXXX XXXX Amount : {$240.00} Account # XXXX Party Owed : XXXX XXXX XXXX Amount : {$500.00} Account # XXXX I am disputing this claim due to : I Have No Knowledge Of This Account. It Is Fraudulent And I Am Requesting That It Be Removed Immediately. This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim. Sincerely,

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: Experian Information Solutions Inc.
State: TX
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:
XX/XX/XXXX I sent a request to The 3 Consumer Reporting Agencies reporting inaccuracies listed on my COnsumer Report. In XX/XX/XXXX, XXXX acknowledged the errors and deleted the inaccurate accounts from my consumer report. 

Incompliance with the FCRA 611 ( a ) ( 5 ) ( d ), Consumer reporting agencies use a ACDV ( automated consumer dispute verification ) system, there is a feature designed to provide consistency in consumer reports across the various reporting agencies. The XXXXXXXX XXXX XXXX feature was designed to have any changes, deletion be communicated to the various reporting agencies. I requested that Experian and XXXX review the deletions processed by XXXX and update my consumer report with said information. Not sending the XXXX XXXX XXXX is in itself a violation. I attached the initial credit report from XX/XX/XXXX and the modified consumer report from XX/XX/XXXX showing the deletions. 

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 explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am submitting this CFPB complaint because I still believe there are some errors on my credit. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate the following items : XXXX XXXX Balance Owed : {$0.00} You are flagrantly infringing the Fair Credit Reporting Act by continuing to display this account as past due despite the fact that it has been fully paid and has no outstanding balance. The payments on this account have never been late. My records show that I never missed a payment on this account, and it was settled in accordance with the terms. Please take care of the late payments or completely remove the disputed account from this account 's payment history. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$1.00}, XXXX Despite my numerous requests to dispute this account and correct the payment history, you have done nothing. The late payments that are reflected in the account 's payment history are misleading because I never made late payments for this account. Please remove the reported late payments from the payment history as soon as you can. 

XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} Neither was nor will this declaration be late. Given that you are adding fraudulent and incorrect information about me to my credit report, I've tried to request that you change the payment history. Please discontinue noting late payments on this account moving future, and just provide accurate information. True credit reporting is required by the FCRA.

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 2018-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I do not think that is fair that the three credit reporting agencies have " negative '' information on me for accounts that I struggled to pay in full. It's like being punished for trying to do what is right. If I did not pay them, then I can understand having negative information on my account. The credit agencies say that the creditors have to remove the information and the creditors say the agencies have to remove it. I am at a loss trying to get this resolved : - ( If a person pays their bills, then their credit should be good.

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 2023-02-06
Company: Experian Information Solutions Inc.
State: DE
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 is XXXX 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 2021-02-17
Company: Ascendium Education Group
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX  XXXX Date Opened Balance {$8700.00} Did you even legally verify this account? Isnt the date of the last activity supposed to be the same in each bureau? I see that this account has a charge-off status but Im still seeing balance being reported. Are you aware that its a violation? How is it possible for the balance to be higher than the high credit/high balance?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
FRAUDULENT APPLICATIONS WAS SUBMITED TO  XXXX SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO  FRAUDULENTLY OBTAIN GOODS OR SERVICES THE ADDRESS USED WAS : XXXX XXXX XXXX XXXX OHIO XXXX PHONE NUMBER XXXX XXXX ) XXXX THIS IS NOT MY INFORMATION

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The US Department of Education says I acquired a student loan of {$13000.00} in XXXX of 2007. I did not. No mono was requested or received for education as a loan or grant. I was not attending any college, university or trade school. I was not a student at this time.

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