BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The monthly payment for this account of {$580.00} was paid on XX/XX/2021. The due date is the XXXX of each month. This payment was made at approximately XXXX. 

Once the payment was processed, XXXX listed the date as XX/XX/2021 on the confirmation receipt. They used this deceptive tactic and incorrect date in order to place a " 30 days '' late on my ( the co-signer 's ) credit report files with XXXX, XXXX, and Equifax. 

This incorrect information caused my credit scores to drop drastically ( WITH ALL 3 BUREAUS ) and has had NEGAVTIVE impacts my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
TransUnion is stating the courts are Reporting a Bankruptcy Docket # XXXX which i disputed and they stated it was verified ... I called the courts which advised me the courts does n't verify this information.. TransUnion pulled this information from a third-party agency, as per courts Does not Verify Therefore this Must Be Removed from my credit file which is damaging to my true credit file. 

And I would appreciate it once its deleted I want proof that it 's been deleted. Please send me an email to 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 2019-07-18
Company: CITIBANK, N.A.
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:
Dear CFBP I am filing a complaint against Citi for pulling my credit report without authorization. I never authorized them to access my XXXX report on XX/XX/2018, XX/XX/2018 and XX/XX/2018. I contacted them at the address listed on my XXXX credit report twice. They ignored the first letter and sent me a form response so I wrote a very detailed 2nd letter and sent the form response they sent me back to them via certified mail requesting them to remove the unauthorized inquiries as they did not have permissible purpose under the Fair Credit Reporting Act as I did not apply for credit. Instead of reading my complaint and responding as asked I simply got a form letter saying the inquires were legitimate but not providing the requested documentation proving that these were in fact authorized so a police report could be filed. Therefore, I am requesting you to require Citi to delete these inquiries from my XXXX report that I did not authorize. I have attached my XXXX report for reference. 

Thanks for you help in this matter, 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 2019-08-22
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to PPH from OCwen ( another story ). Apparently, my payment was increased by {$17.00} a month due to a shortage on my escrow account. No notice went to me, so I am making my normal payment. Well PPH holds my payment ( which is {$3400.00} ) and doesn't apply it until the next month when I make my payment again. So I have this rolling late of {$17.00}, then {$34.00}, then XXXX, etc ... I pulled my original note and no where on there does it say that I need to pay more than the principle and interest payment due {$2000.00}. So I don't even know if this is legal, to mark me late for a shortage on my escrow account, and reassess it, and not notice me .... According to the note, the principle and interest payment is to be applied first. Not sure where to go from here, but the escalation manager apparently owns the company since she said she did not have a manager

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
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:
This is a complaint against EXPERIAN, to ask that you please eliminate any accounts that were opened under fraud without my authorization or permission. In this particular case without my presence, I also ask to remove all inquiries that are reported in my credit report, that were also solicited without my authorization. EXPERIAN knows very well, that I am a victim of identity theft, for many years I have sent over police reports and complaints and new accounts keep appearing on my report. This complaint I'm making is because I have new police reports, with new accounts that have been opened under my name under fraud. This is the best and most effective way with all the documents that I will upload to dispute all the negative accounts that were opened. The accounts that I am going to dispute under fraud is 1 ) XXXX/XXXX, ACCOUNT # XXXX, 2 ) XXXX  XXXX XXXX # XXXX with balance {$730.00}, 3 ) XXXX XXXX XXXX ACCOUNT # XXXX with balance {$95000.00}, 4 ) XXXX  XXXX  XXXX ACCOUNT # XXXX with balance {$62000.00}, 5 ) XXXX/XXXX ACCOUNT # XXXX, 6 ) XXXX  XXXX  XXXX ACCOUNT # XXXX, 7 ) XXXX  XXXX XXXX XXXX ACCOUNT # XXXX, All of these complaints that I am making for being a victim of identity theft, are backed up by a police report I made XX/XX/2019, two days after I came back from XXXX. I left this country XX/XX/2019 and when I came back I came back to all these accounts that were opened under fraud. I am following the federal law, that will protect me against this Identity theft that I was a victim to, supported by the police report and Identity Theft Victims ' Complaint and Affidavit. Also, I am in contact with all of the other companies that have accounts and inquiries under my name which were opened under fraud because of my identity theft. I am making this complaint because I'm blocked from making disputes online, and I'm also mailing you my documents. I appreciate the support and good customer service you guys have given to solve this huge problem I've had at this time. You are the best company that helps people with these problems, I hope this issue get fixed promptly, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18
Company: Bison Recovery Group, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX of the Bison Group has called my cellphone incesstantly multiple times over the course of the last 3 weeks. Today, I was notified by my sister that he has begun to call her phone numerous times attempting to reach me. She is not responsible for me and should not be contacted for any reason. I am unsure as to what he told her but she told me that he sounded serious. This leaves me to assume information may have been disclosed that should not have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Diversified Consultants, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I contacted Diversified Consultants in XXXX, FL and paid a past due bill originally owed to XXXX XXXX XXXX in the amount of {$300.00}. The company agreed to contact all 3 credit reporting bureaus and update this account as paid. As of XX/XX/XXXX, it still shows as derogatory and debt unpaid on my credit report.. The company has had 30 days to complete this transaction and they still have not held up their commitment. I also paid 2 other past due bills in collections off during this time and those companies upheld their commitments to remove their accounts and send me a written notice in the mail that this debt has been paid. Diversified consultants have neither updated to the credit reporting agencies or sent a written notice showing that this debt is paid. What do you do when a company takes your money then ignores you??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: FL
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:
A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or RECTIFY the following items : 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 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 2017-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I called Transunion on XX/XX/XXXX regarding credit inquiries that i never authorized. I froze my credit report do to banks running my credit without any signature or authorization by me. I bought a car back in XX/XX/XXXX and had already been approved by my credit union with a great low interest rate. I clearly told the dealership that i did not want them to pull my credit since i already had a bank to lend me a loan. They said it wouldnt be a problem and that they wouldnt run my credit. Well some how they still were able to add multiple inquiries without my authorization, which is a violation of the Fair Credit Reporting Act Section 1681b ( c ). I further remind you that, as in XXXX v. Trans Union XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), Transunion may be liable for their willful non-compliance. I spoke with a supervisor over the phone and told them i wanted the inquiries removed and they said they had to stay on my credit report for 2 years. That is clearly false since we know they have violated the law. I am demanding that Transunion remove the inquiries below : 1. XXXX XXXX, XXXX XXXX, PA XXXX. Pulled on XX/XX/XXXX 2. XXXX, XXXX XXXX, TX XXXX. Pulled on XX/XX/XXXX 3. XXXX XXXX XXXX, XXXX, Tx XXXX. Pulled on XX/XX/XXXX. 
4. XXXX, XXXX, TX XXXX. Pulled on XX/XX/XXXX. 
5. XXXX, XXXX, TX XXXX. Pulled on XX/XX/XXXX. 
6. XXXX, XXXX, PA XXXX. Pulled on 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 explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to dispute the reporting of late payments on my credit report. I believe that these late payments are inaccurately reflecting my payment history and adversely impacting my creditworthiness. I request that they investigate this matter promptly and remove the disputed late payments from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Creditor : XXXX Account XXXX : XXXX Date Reported : XX/XX/2023 & XX/XX/2023 I assert the following reasons for disputing the accuracy of the reported late payments : 1. Error in Reporting : I have thoroughly reviewed my payment records and have found discrepancies between the reported late payments and the actual payments made. I have consistently made timely payments to XXXX and can provide documentation to support this. 

2. Good Payment History : Prior to the alleged late payments, my payment history with XXXX has been exemplary. It is highly unlikely that I would suddenly deviate from this pattern without any valid reason or notification. 

3. Request for Investigation : I request that they conduct a thorough investigation into the accuracy and verifiability of the reported late payments. This includes verifying the dates, amounts, and any associated fees or charges. I also request that they contact XXXX to confirm the validity of the reported late payments.

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 2023-07-17
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: Information belongs to someone else

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2018-02-05
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We purchased our home in XXXX for {$100000.00}. In these 18 years we have absolutely nothing to show for it because we now owe {$160000.00} because of mortgage fees, etc. Our loan has a huge " Balloon '' payment due at maturity. In XXXX we were granted a modification with Ocwen. At that time, we were told that Ocwen would " forgive '' roughly {$40000.00} of our " underwater '' mortgage if we kept up with our payments for a specified time. This " forgiveness '' was part of a Settlement that Ocwen had to comply with. During this modification, we lapsed in payment and were told that the " forgiveness '' was null and void. A couple of months later, their lawyer contacted us & scheduled " meetings '' with the court over the phone with me. During those meetings, Ocwen decided to offer a new payment ( {$830.00} ) to us which was {$250.00} HIGHER than our previous payment. I brought this to their attention on the phone meeting with Ocwen, their lawyer and a court magistrate. I was told by the Ocwen representative that the higher payment was because they were purposely punishing me because of the default on our loan modification. I was dumbfounded. Their lawyer and the magistrate heard this as well and I'm sure this conversation was recorded. We tried making this higher payment but ran into problems when both of our vehicles needed repair. We ended up having to replace one of them and, since we have bad credit, are paying a very high car payment because no other options were available. We both work in different cities and having 2 cars is a must so we can work and provide for ourselves as well as our XXXX children. We're tired of being bullied by Ocwen. We now owe {$160000.00} on our {$100000.00} XXXX XXXX XXXX on XXXX of an acre which is in so much need of repair that we can't afford that either. We want to stay in our home. We want to be able to COMFORTABLY afford the payment. We don't feel we should be penalized by Ocwen any longer. We want the settlement that is owed to us. We want a lower payment. We want to be heard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-09-01
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2019-07-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was a victim of unauthorize XXXX money transfer from Chase checking account, I called the bank the instant I found out my money is transfer without my permission. The bank freezes my account to investigate and I went to the bench and opened a new account. Today My new account was empty out due to Chase debt collector to pay for my fraud account that was been reversal due to chase Fraud department cant find any reason the transaction was fraudulent. I complaint to the manager at the fraud department and unable to assist me, she says there is nothing she can do for me. 

Fraud account ( XXXX1 ) Fraudulent transaction : XX/XX/19 XXXX to XXXX XXXX {$1300.00}. 
XXXX to XXXX XXXX {$500.00}. 
XX/XX/19 XXXX to XXXX XXXX {$1200.00}. 
XXXX to XXXX XXXX {$610.00}. 

Reversal transaction : XX/XX/19 XXXX to XXXX XXXX {$1300.00}. 
XXXX to XXXX XXXX {$500.00}. 
XX/XX/19 Chase debt Collection took money out of my current account ( XXXX ) to pay for reversal {$1900.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have submitted disputes to youand you have not responded in 30 days as you are required by law. 
Please investigate my disputes. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
I had a credit card with Bank Of America, it was in delinquent which the company worked with me to pay the credit card and all fees in full. The agreement was to pay Bank of American in installments once paid the negative trade line will be removed from my credit report. I paid it off XX/XX/XXXX. Bank of America change Status to Closed Never remove the Negative trade line. Ive called Bank of America XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX every time I ask them to remove the negative trade line every department has stated its already been Removed and updated. That 's not true I just pulled my credit report on XX/XX/XXXX and its still effecting my credit. I just wish Bank of American hold up to what I was promised which was to delete the Trade Line.

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 2022-09-01
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: Their investigation did not fix an error on your report

Complaint:
Hello, Experian has refused to remove the inaccurate information on my report. by law under 15usc 1681. report agencies accurate and correct information and since Experian refuses to remove the incorrect accounts. this is a violation that XXXX per account which is listed below. You will notice that the same accounts report on all three bureaus and all have different account numbers. a direct violation. I have attached copies of my reports from Experian, XXXX, and XXXX. I asked that either the items be deleted immediately or pay the XXXX per account which is inaccurate. These actions by the reporting agencies have lowered my scores and prevented me from qualifying for a VA home loan. 
XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  ACCT # 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 2019-11-28
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
US Bank responded on XX/XX/2019 that : 1 ) On XX/XX/2019 US Bank mailed a Cashier 's Check for refunds totaling {$570.00}. This is my prior address and since I am notified 10 days after mailing, the Cashier 's Check will be returned to US Bank. US Banks XX/XX/2019 letter sates " we are unable to verify your address you provided in your CFPB complaint ; therefore, we are submitting to CFPB '', I request the Cashier 's Check be picked up at an XXXX XXXX, IL location, and 2 )  outstanding is XXXX XXXX {$140.00}.

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 monetary relief