BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-24
Company: Kriya Capital, LLC
State: IL
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:
We have contacted XXXX, as well as multiple collection agencies numerous times to clear up an erroneous derogatory credit report. 

All supporting documents, including a " paid in full '' statement, and a chat transcript with XXXX customer service clearly supporting our assertions, have been provided to XXXX, XXXX, CRM, etc. 

The collection agency ( the most current collection agency is called CRM a/k/a Credit Resource Management ) is refusing to remove the error. XXXX refuses to remove the error, claiming that the collection agency has " certified '' that the debt is valid. Yet, even though we have provided original copies of our account being satisfied, XXXX   has chosen to ignore all of our documentation showing a {$0.00} balance, closed, Paid-in-Full account. 

CRM  a/k/a Credit Resource Management Contact Info : Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Furthermore, and most problematic is that XXXX is repeatedly selling this " debt '' to successive collection agencies. This has lead to consistent and multiple copies of this " debt '' being reported to XXXX ( XXXX is the ONLY reporting agency that has refused to remove the error ). 

Below is a copy of the latest message sent to XXXX via their online portal. XXXX   has acknowledged receipt of all my correspondence. 

I hope you can assist with this matter. 

Thank you. 
-- -- -- -- -- -- -- -- -- XXXX, The derogatory information posted by Credence Resource Manag a/k/a CRM, on my credit report is erroneous and we are demanding a thorough review of the documents that support the satisfaction of the debt as uploaded alongside this message. 

XXXX via their many credit collection agencies has posted this error at least 3 times in the past. 
Each time, we have re-submitted all the documents and each time, the report was properly removed by XXXX. 

Now comes, CRM  to post yet another derogatory filing. We anticipate that XXXX will do the right thing once again and remove the error. 

I have virtually signed and authenticated that the documents I am providing to you are valid and accurate. This should suffice as clear and proper evidence to remove the error and correct my credit report. 

Please be on notice that this issue is causing us financial harm, as we are currently unable to apply for and get financing at the appropriate and best financing terms available. If it becomes necesarry, we will open formal complaint against CRM, XXXX, XXXX, et. al. in the proper legal venue that will have jurisdiction to impose and award financial and other damages caused to me by the erroneous information shown to prospective creditors. 

I look forward to your amicable solution within 30 days before taking the necessary action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
please see attached documents, IN ACCORDANCE WITH THE FCRA. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLYG PROTECTED RIHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. ACCOUNT XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIHTS.YGOU HAVE NO PERMISSION TO FURNISH ANYG INFORMATION ON MY CREDIT REPORT. IF YOU DO NOT HAVE A CONTRACT WITH MY WET SIGNATURE, PLEASE DELETE THESE ACCOUNTS. 15 USC 1681 SECTION 602 A. SECTION 2 IT ALSO STATES A CONSUMER REPORTIN AENCIES CAN NOT FURNISH ACCOUNT WITHOUT MYG WRITTEN INSTRUCTIONS. 15 USC 1681c ( a ) ( 5 ) sections states, no consumer reporting agencies make any consumer reporting 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 usc 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATIN TO A CONSUMER Reporting agencies if the person knows or has reasonable cause to believe that the information is incorrect. please DELETE.

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 2023-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My partner and I have been Bank of America Clients for a few years and always do ATM CASH deposits into our checking accounts. Today XX/XX/23 we went to their branch on address : XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX to do a new ATM deposit, the time was XXXX ( pictures bellow ), we inserted our cash in total {$3300.00} ( the machine swallowed XXXX {$100.00} dollar bills + XXXX {$20.00} dollar bills ), while counting the money I took a picture and the machine simply went back to the main menu, The money didn't go through. We didn't get any receipt. We talked to the Bank of America stuff, they asked us to open a Claim by Phone XXXX and say the ATM ID - XXXX, and we did. They said we need to wait about two weeks to be investigated, this is ridiculous, we need this funds today. We trusted this ATM machine while the bank is opened, if we knew that this kind of issue could happened we would go to the cashier and have our fund right now. We really need help with this matter because this is the money to pay ours bills which is due today. 
Thank You for helping us in this case, we don't have more funds in hands to be deposited. For sure someone will open that machine today and will figure it out and see our {$3300.00} dollars there.

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 monetary relief
Consumer complaint received 2023-08-11
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: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, 3 Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XX/XX/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 2021-12-16
Company: MORGAN STANLEY & CO. LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
for Loan number XXXX at Morgan Stanley Private Bank. The loan was in deferment from XXXX of XXXX to XXXX of XXXX and was told that the modification program required income qualification. Later in XXXX I discovered that the modification program does not require income qualification and that the payment would lower my current mortgage payment by {$540.00} a month. I was never told about this offer. After calling the mortgage service center several times to try to get the escrow taken off of my mortgage, I inquired further and was told there is a new modification program that could lower my payment and just requires my acceptance of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 2023-07-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/1987 Dear Sir/Madam, I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 

XXXX XXXX Late Payment Account XXXX XXXX XXXX  XXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Off Account XXXX XXXX XXXX Charge off Account XXXX XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge XXXX Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX I XXXX Collection Account. 

I would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report. 

As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done.

I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action. 



Thank you for your attention to this matter. I look forward to hearing from you soon. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: MI
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 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 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 2019-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was a victim of fraud and I informed my credit card company of the fraudulent charge made on my account 3 months ago. I then petitioned them for a full refund after said investigation providing them a copy of the police report in which the whole case is laid out. After providing them with everything they requested they refused to investigate and remove the fraudulent charges from my account. This has impacted my credit score greatly and my ability to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On or around XX/XX/2021, I contacted XXXX XXXX XXXX about having troubles making my payments. A few months ago, I had to have an operation due ; however, my insurance didn't cover the operation and I was forced to pay out of pockets expenses. 

I contacted XXXX and informed them of the situation. The representative agreed to push back my loan due date and my credit wouldn't be affected. I made the agreed payment and have been current since. XXXX reported I was late, when we both had an understanding that I would make a payment next Month. At no time was I aware my credit would be reported as late. Since all calls are recorded, I ask that someone replay the phone calls and hear the conversation.

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 2021-12-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ATTN Fraud Department : Remove fraudulent accounts 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 2019-07-29
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had problems with Rushmore Mortgage, my payments keep going up - I paid the shortage amount for escrow but this was not applied, instead the payments went up by almost {$200.00}! I spoke to customer service rep, on XX/XX/XXXX, I was on the line with them for over an hour, I still do not have an answer as to why my payments are going up, I would like to have my mortgage account audited and find out why this is happening. 
Thank you for your help in advance ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Complaint : Citimortgage : negligence in processing of my mortgage application and then changing their reasons for a denial of credit. 

Filed mortgage application XXXX, which was to close on a property at XXXX XXXX XXXX, XXXX XXXX, on XX/XX/XXXX. 

On XX/XX/XXXX, at XXXX XXXX XXXX, I received a call from XXXX XXXX advising me that credit was denied. He stated that it was not me, but that the HMO   apparently was having financial problems. I had been denied access to the financial documents by the HMO because I was not, at that time, an owner of one of their properties. Now I am not disputing the fact that Citimortgage had reason to deny the mortgage application for that reason, but that they charged me {$670.00} for an appraisal when they had documents in their possession from the HMO which indicated that the credit application would be denied. 

The other reason for the denial of credit was that they were unable to verify residence or occupancy. At no time did Citimortgage ask me to verify my address. I could easily have provided them with copies of my lease, and/or utility bills with my address on them. Credit reporting agencies also accept bank statements as proof of address, and they had in their possession multiple bank statements from XXXX XXXX and XXXX XXXX XXXX with my address on them. In addition, they had a copy of my GA XXXX, which also has my address on it. 

I received two letters from Citimortgage regarding this situation. The first, dated XX/XX/2019, mentioned the reasons stated above. The second, dated XX/XX/2019 mentioned only that they were unable to verify my address, which is a lie. They never asked me to verify my address, which I could easily have done.

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 2021-12-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On or around XX/XX/2021, I contacted XXXX XXXX XXXX about having troubles making my payments. A few months ago, I had to have an operation due ; however, my insurance didn't cover the operation and I was forced to pay out of pockets expenses. 

I contacted XXXX and informed them of the situation. The representative agreed to push back my loan due date and my credit wouldn't be affected. I made the agreed payment and have been current since. XXXX reported I was late, when we both had an understanding that I would make a payment next Month. At no time was I aware my credit would be reported as late. Since all calls are recorded, I ask that someone replay the phone calls and hear the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection agency Harris based in XXXX claims that I have an outstanding balance of XXXX dollars to XXXX XXXX XXXX. I called XXXX XXXX XXXX and there is no balance on my account. I had paid the amount in XXXX  2017

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name- XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX account # XXXXXXXX XXXX Account XXXX account # beginning in XXXX, and 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 without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency may make any of the following items of information.Any other averse 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 2021-12-16
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX 2020 ( can not find my bill ) I went to Best Buy in XXXX XXXX XXXX IL and purchased a gas stove and the matching microwave ( both XXXX black steel ) XXXX At the time of purchased I was offered a one year supporting agreement with the XXXX XXXX and I said no. Then I was told that if I purchased the agreement I would get a discount on the appliances that was a little bit more than the cost of the supporting agreement so I said OK ( I was saving a few dollars ). This year the contract was up for renewal and I told Best Buy I did not want to renew it, however, they went ahead and charged my Best Buy credit card for that contract in the amount of {$260.00}. When I received the first statement from Citibank ( that is the bank that carries the Best Buy credit card, I called and told them I had not made nor had I authorized that purchase. Citibank told me I had to take that issue with Best Buy, Best Buy said I needed to talk to the XXXX XXXX division and after talking to a great number of people, Best Buy finally agreed to remove the charge from my account. However, Citibank refuses to close my account insisting that I must pay them for late charges and the interest a total as of today of {$80.00}. I am refusing to pay for something I did not purchased. I wrote to the XXXX XXXX, Best Buy XXXX XXXX in XXXX, MN ; I copied XXXX XXXX, Best Buy XXXX in XXXX, MN and I have not received an answer from either office. In the meantime, my credit is getting damaged because Citibank has posted my account as delinquent. I need help. I tried to take care of this myself but I am not getting anywhere with Citibank. Best Buy has reduced my credit limit to {$350.00}, when it was a few thousands, which I really don't care because I will never again do business with that store, so I will close my account with them, but I do want my credit report to be corrected. I have not allowed any of my account to go delinquent, ever. I was charged for an item that I did not buy and I did not approved. Please help.

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 monetary relief
Consumer complaint received 2017-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX gave me settlement option on a capital 1 debt.The change the option to full payment after I missed, the last payment fromXXXX to XXXX

Company response to consumer: Closed with explanation