BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: Synovus Bank
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Under 15 USC 1666B the account FSTPROGRESS XXXX is a billing error. I am requesting that this account is changed to paid as agreed never late. Please see the attached dispute letter, which is dated, and time stamped. You are also reporting inconsistent information such as the date last active and the date of last activity which is also a violation of the FCRA. If you are furnishing incorrect information, the payment history you are reporting is not credible and I will have to consider other legal options if the late payments are not removed from my credit report within 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Ally Bank refused to accept my dispute of $XXXX  dollars for an ATM transaction. They went ahead and reversed the credit previously issued. When I asked them to provide paperwork to substantiate their investigation, they retaliated and did not like it and decided to close my account. So far I have not received any paperwork on how they came about to their conclusion that the ATM transaction was valid. I never got the cash and disputed the transaction. I have been with Ally bank for more than 10 years and I have never complained to them or had many disputes. I believe Ally bank did not have any paperwork to provide and instead decided to close my account without an explanation. I believe Ally bank is not providing proper banking rules and should be fined. Today I received a letter to my surprise that my account would be closing on XX/XX/XXXX. I have started withdrawing my funds of almost XXXX to avoid any issues but would like this bank to be fined or investigated. For a simple $XXXX dollar dispute that they could not come up with an explanation they decided it was best to let me go and did not provide any documentation that there investigation was valid. I think they are lying and don't have nothing to provide and instead committing fraud and breaking the rules of the banking industry. They were trying to kick me out and silence me without saying nothing. But now they will have to give an explanation of what happened and why they decided to close my account. Also something I would like to add is that this bank lowered their interest rates where it used to be at 2.20% and now I believe is 1.9% and I did get notified until months later. They don't follow proper procedures. I called them and asked them what their rate was one day and to my surprise it had gone down. I had an issue also with this bank in XX/XX/XXXX when they also refused to honor my dispute and delayed the process for 6 months until I complained. This bank does not follow proper rules. I have copies of all correspondence for your information as evidence. I will provide copies of paperwork at a later date to give me time to gather them.

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 2023-12-01
Company: ENCORE CAPITAL GROUP INC.
State: GA
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:
Midland credit management is a financial institution by definition and alleges they sent me a validation letter and that they legally can violate my right to privacy. I need documentary proof of the 3 notices that should have been sent to me before this company reported anything on my consumer report. I never had any agreement with midland or any other company they are referencing. I need proof of a letter stating midland would be reporting to my consumer report where they gave me an opportunity to sign my signature approving of this or admitting I owe them any debt. I never had an agreement with the alleged original creditor so I definitely dont have any agreement with midland credit management XXXX Midland credit management as a financial institution does not have any rights that trump my right to privacy as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Grimley Financial Corporation
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I.m dispute this debt because it was already paid company sent me letter that i.m disputed the payment matter was already paid Notice Date : XX/XX/ amount {$10.00} this amount was paid XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: NJ
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:
There are a few accounts on my report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage company paid property taxes to wrong APN/property. They then refused to refund the money to our account, and then increased our payment. They are now saying we are late on our payments, and sending forclosure letters.

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 2018-02-28
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: Account status incorrect

Complaint:
On XX/XX/XXXX, while I was in a natural disaster forbearance period with XXXX XXXX XXXX, they reported my account 90 days past due to all 3 credit reporting agencies. I reported it to them and they told me that it would be resolved and that the reporting was incorrect. On XX/XX/XXXX, I noticed that it had still not been corrected. I was trying to close on a loan on XX/XX/XXXX and my score was about 100-150 points lower than it should have been due to this incorrect reporting and would significantly impact my loan rate, costs and monthly PMI. I called XXXX XXXX once again to have them correct this and was assured that it would be corrected on the XX/XX/XXXX update. I looked at my report on XX/XX/XXXX and it had not been updated. XXXX XXXX finally submitted the update on that day, as well, they gave me a letter detailing that the reporting was incorrect so that I could provide it to my credit reporting agencies to address the problem. XXXX and XXXX XXXX corrected the inaccuracy by XX/XX/XXXX, but Equifax refused. I spoke to several representatives from both Equifax and XXXX XXXX to resolve prior to our closing and it was never corrected. As a result, my loan rate was much higher, I am locked in to a higher PMI and had to pay higher closing costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Viewed credit file through Transunion in reference to XXXX XXXX XXXX XXXX account showing charged off.  File shows last reported: XX/XX/19 in the amount of $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 2023-12-02
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/2023 I sent a letter to Experian letting the company know that they are reporting inaccurate accounts on my consumer report. Experian refuse to remove these accounts and keeps saying that the accounts are Verified how can this be true when the company didn't provide any evidence to support there claim the following accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have attached a pre- arbitration along with this complaint and my previous letter I sent to Experian on XX/XX/2023. I am getting really frustrated that my consumer rights keep getting violated. Experian is not following the FCRA the above accounts are a violation of 15 USC 1681e ( b ) everything must be XXXX percent accurate.

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 2023-06-23
Company: Experian Information Solutions Inc.
State: MN
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:
This credit bureau continues reporting missed payments against me on an account under XXXX XXXX XXXX XXXX. I have attached a copy of the late payment forgiveness letter I received from the credit union. The credit bureau needs to update everything to 'Paid as Agreed '. I have never missed a payment on my credit reports ever.

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: MT
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:
FCRA violations : payments never late XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts are not mine XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$5000.00} written off. {$4900.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$160.00} Status Account charged off. {$160.00} written off. {$160.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed FCRA violations : inquires not mine XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXXE Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record untiXXXX XX/XX/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 2023-05-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received a {$20.00} XXXX payment from someone I don't know, XXXX payment from XXXX XXXX XXXX XXXX XXXX {$20.00} I called Chase to let them know I don't know who this person is because I was concerned it could be a scam or tester transaction, and the phone rep foolishly advised me to try and send the money back to this unknown recipient. ( This is really bad, clearly there is no training on this at Chase ). 
I would think this should be a Reg E situation - but I know the big banks are trying to skirt their Reg E responsibilities through XXXX. 
I suppose it is on this XXXX guy to file a reg E claim with his bank, but the bottom line, I have {$20.00} in my account that isn't mine and Chase 's poor advice is to " try and send it back if he contacts me. '' I'm not doing the bank 's job for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: GA
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 check my credit reports and I saw all these inquiries, they don't belong to me. 


XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: AL
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: Problem with personal statement of dispute

Complaint:
XXXX and experian credit Bureaus allowing XXXX XXXX to continue to report on my credit file..consumer protection and federal trade Commission added a reporting block to my file as of XXXX XXXX I reported to all 3 credit bureaus and sent the documents to each .. Filed over 7 disputes not to Allow XXXX XXXX to report and inaccuracies because we're still in legislation and it's truly damaging my chance to be able to purchase my first home ... XXXX vs XXXX XXXX as of XX/XX/2020 Block isnt in effect at All! Still reporting doing so much damage..and it's not helping to keep filling disputes after dispute I been fighting and complaining to no end..I been turned down for approval because of XXXX XXXX still reporting after Block was added as of XXXX 2020 Thank u

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 2023-09-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: NY
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 is reporting as 2 accounts once as XXXX XXXX XXXX on XXXX and again on all three bureaus as XXXX XXXX XXXX  there should be one account name only. i have included the credit report and highlighted all inaccuracies. 
I have disputed many times and they still report incorrectly. 

XXXX XXXX  account is inaccurate across three reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
XX/XX/2019, They are making calls to my job and harnessing me when I tell them to not call they stated that don't care and that they will continue to call anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2023-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX I authorized a {$1400.00} XXXX payment from my Capital One checking account XXXX to XXXX XXXX XXXX. The funds were removed from my account and deposited in the account of XXXX XXXX XXXX. 

On XX/XX/XXXX, I received a call from XXXX XXXX XXXX asking why they had received a check from Capital One for {$1400.00}. 

I spent more than XXXX hours on the phone with various people at Capital One NONE of them could explain how or why this had happened. On XX/XX/2023 the funds were apparently taken out of XXXX XXXX XXXX account but were NOT returned to my account. 

XXXX XXXX wants to deposit the check but I do not want them to unless and until the funds are returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: SUNRISE CREDIT SERVICES, INC
State: MA
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:
On XX/XX/17, Sunrise Credit Servies Inc., added a derogatory mark on my credit report per XXXX and XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there are NO written form of communication, contract, or signature for this accused debt. The bill sent to me was also for a larger amount then what is being reported on my credit report. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to FCRA, Sunrise Credit Services Inc., has violated my rights as a consumer and I am requesting legal action to remove this account from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation