BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-16
Company: EQUIFAX, 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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: MD
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 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: We Collect Inc
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was alerted about a debt through my employer. On the judgement it shows " Atlas Financial Services ''. I called Atlas. They told did not verify me as the consumer, they denied reporting to credit bureaus as past the statute of limitations. The amount reported owed is 2x what is listed on the XXXX XXXX OR case record. The debtor did not notify me in XXXX as the case note indicates. I was actively working and at a permanent residence, working with a credit fixing agency, whom also did not find debt listed in my credit history or judgements. I have attempted to deny the claim with the court and was denied due to default judgement listed XX/XX/XXXX. It is XX/XX/XXXX and employer received noticed of the debt, first issued for collections in XXXX, then XXXX. OR law statute of limitations is 6 years. Collection agency, AFS, disclosed medical debt without verifying myself as the responsible party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: FIDELITY CAPITAL HOLDINGS, INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A medical XXXX company is trying to collect a debt for services that I nor anyone in my family received. We do not nor did I or my family live in the state durning the time they are trying to say they provided services. We have asked the 3 major credit reporting companies for a couple years now to please dispute this, if we could call in or provided documentation of us living in another state. We have bought a house, car major bills all in another state for years and durning the time they are saying we had services. This is ruining my credit. I want to know how else I can personally ally prove this is not me. Everytime I dispute with the credit bureaus they never ask us for any proof they just say the company came back and said this is our bill and the collection will remain. This company has started to call random people they think we know and give our personal information out and we know that is illegal in an attempt for us to call and pay them. I will not pay for a service that was never provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 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 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 non-monetary relief
Consumer complaint received 2018-11-05
Company: Pendrick Capital Partners Holding, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They are trying to collect a medical debt that is invalid. I had 2 insurances at this time. They have very little info on original creditor, and the info they do have is very incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
CFPB Write up In accordance with the Fair Credit Reporting act, XXXX Account # XXXXXXXX XXXX account # XXXX, and XXXX account XXXX 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 : Also states that 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 non-monetary relief
Consumer complaint received 2023-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Hello. 

The Florida Attorney General 's Office redirected me to you to resolve the conflict. PDF document on XXXX cloud XXXX XXXX XXXXXXXXXXXX XXXXsharing All my contacts have in this document. 

Best regards, XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
DEBT ISNT MINES experian put on my credit profile charge off not associated with me.

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 2018-11-05
Company: Synovus Bank
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We bought our house in XX/XX/XXXX through an in house loan. In XX/XX/XXXX the loan changed from a mortgage to commercial loan. In XX/XX/XXXX the was renewed without authorization or signature. Now we are trying to refinance to get the house back to a mortgage because without knowing we have been paying interest only since XX/XX/XXXX without getting a statement or payment coupon. The amount of the loan keeps changing and going up since we have started trying to refinance our loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I would like to have my old addresses and employers removed from my credit report. They are old and outdated and no longer apply to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021

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 2023-04-17
Company: Experian Information Solutions Inc.
State: MD
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:
This is XXXX XXXX XXXX please 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 2023-08-24
Company: Experian Information Solutions Inc.
State: MD
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 pulled a copy of my credit report and noticed inquiries I didnt recognize one from XXXX XXXX One from XXXX XXXX from 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 2023-04-17
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX Bank issued mortgage including establishing an escrow account to pay California property taxes -In California, the first year of property tax has a a primary tax bill at a lower rate, stemming from the previous valuation of the property, which is typically substantially below market value. There is then a supplemental bill issued in the same year that covers the taxes due on the difference between the the previous assessment and the new assessment ( sale price ). For homes like ours, where a sale has not occurred in a long time, this supplemental bill is the bulk of the tax owed, and financial institutions are prepared for it. 
-US Bank correctly calculated the expected tax bill for the sale price, which covers the supplemental bill for the difference -US bank issued an initial Escrow account disclosure statement, showing the dates the payments would be made and the estimated amounts - these estimated amounts included the full tax due ( the initial tax payment and the supplemental payment ) -We funded and paid into the escrow account and kept it at the correct balance, which was set by US bank to be sufficient to cover the primary and supplemental tax owed. 
-When the payments were due to the county for property tax, US bank did not pay the full amount, only the small initial amount ( not the supplemental amount ). This amounts to a payment of {$1700.00}, instead of the {$7100.00} the bank stated it would pay in the disclosure statement. The bank also did not inform us that it underpaid. This resulted in an overdue balance of {$5500.00}, for which a delinquent bill was issued with a {$510.00} late fee. 
-The bank was informed by us of this error. They acknowledged the discrepancy and promptly paid the county the delinquent amount owed. 
-The loan agent asked for the bank {$510.00} to be reimbursed to us, and stated she felt that was fair, but the bank ultimately decided not to. Instead, they cited a letter sent to us in the past indicating that they could not pay the bill unless we took certain steps. We had not received this letter at any point. 
-My opinion is that the bank committed to paying the bill from our escrow, stated they would do so in the disclosure, and then failed to do so, leaving us with a penalty. The fact that they sent one letter in the mail, which we did not receive, is insufficient to overturn the original indication they gave. It is fairly common for mail to not get delivered. There was no other follow-up with us. 
-We seek that the bank reimburse the {$510.00} fee

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 2023-04-17
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I first explained to the office of Smith Debnam Narron Drake Saintsing & Myer, LLP my financial situation on XX/XX/XXXX. 
At that time, I had been XXXX free for two years, recovered from a 35-day Govt shutdown and a setback from COVID-19. 
On XX/XX/XXXX, I received a letter from Smith Debnam Narron Drake Saintsing & Myer, LLP, that they had tried to contact me and work with me, but they had not heard from me. Which is not true. I had just contacted them two weeks prior in writing. I had contacted the original creditor 8 times for XX/XX/XXXX XX/XX/XXXX. All those communications were forwarded to Smith Debnam Narron Drake Saintsing & Myer, LLP on XX/XX/XXXX, to say I was not communicating was just not true. 
The correspondence I sent on XX/XX/XXXX, was opened, and returned by their offices, On XX/XX/XXXX. I proposed a payment arrangement and sent a {$25.00} money order as a good faith jester. That money order was not returned. I assume it was cashed. I was expecting a written confirmation of acceptance of the arrangement or return of the payment with alternative terms. To the contrary they seized the funds without any notification. 
On XX/XX/XXXX, Smith Debnam Narron Drake Saintsing & Myer, LLP garnished my checking, savings, and an account that belong to my daughter in the amount of {$3000.00} without any notification. 
This garnishment left me with no money to pay other obligations. 

I would like the garnishment returned and a reasonable payment arrangement to be made in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX Chase Credit Services sent correspondence lowering my credit line during " annual '' review. Issue comes into play as follows : 1. Letter indicates call/respond any isssues/concerns 2. Sent response XX/XX/XXXX, 4. XX/XX/XXXX, called Chase to have " nothing we can do '' script re-read to me numerous times 5. XX/XX/XXXX, resent replies to the above 6. XX/XX/XXXX, receceved phone call from Chase rep to really re-state initial script, this time not condescending My concern : I have had this account since XX/XX/XXXX ; currently not late, never late, on-time payment history. Credit card ( Chase ) utilization 36 % credit limit. 
Chase now lowers limit ( XX/XX/XXXX ) which now puts my utilization at 96 % - this is now a credit " hit '' .. Chase will re-consider by pulling a new credit report, with my approval, but this at a cos to me ... another " hit '' to my credit, as this is hard-pull. 

My other credit accounts do have high usage .. but all have long histories with creditors and NONE OF THEM ARE LATE AND HAVE STELLAR PAYMENT HISTORY. 

Understand Chase can determine who and how much to loan to ... but by lowering this credit limit this drastically affects my credit in now another bad way ( lowers my score even more and with suggested hard-pull, lowers it again - and stays on report for 2 years. 

How do consumers who are doing the right thing, pull out of these type issues, when the financial institutions that make claims to help are really not. Again, believer businesses need to underwrite accordingly, but there are portions that hurt this very same consumer ... and to have representative repeat a script is not helping either. 

If institutions can somehow pull a report to determine a lower credit line without affecting credit, why can they not use this to make a reconsider or underwriting call? Very frustrating. Especially since the calls also make me feel as if I am in the wrong or not have not been making payments or holding up my end of credit card responsibility with Chase. 

The available Chase representatives do not seem to able to assist, so my only stop is here. 

Thank you so much for your time to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: IL
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:
I HAVE CONTACTED THE BUREAU SEVERAL TIMES IN REGARDS TO THESE ACCOUNTS LISTED ON MY CREDIT PROFILE. IT IS IN DIRECT VIOLATION OF MY CONSUMER RIGHT ACCORDING TO 15 US CODE 1681 b THAT I DID NOT GIVE ANY AUTHORIZATION FOR THESE ITEMS TO BE LISTED ON MY CONSUMER REPORT. MY CHARACTER IS BEING DIMISED BY THIS MISBEHAVIOR FROM THE CREDIT REPORTING AGENCY!! PLEASE REMOVE NOW AS THIS IS MY 3RD REQUEST

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 2021-02-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
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:
My Credit card from USAA # XXXX WAS STOLEN IN XXXX of 2020 and used with out my permission for the sum of {$1700.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a follow-up to complaint number XXXX. There is no additional option available to update the case from my end, which is why I am have to create a follow-up case. 

Problem description : Mr Cooper illegally added an escrow account to Loan # XXXX. As a result, the monthly payments changed from {$3300.00} to {$4800.00}. 

Update : Persuant to the letter from Mr XXXX XXXX dated XX/XX/XXXX, there has been a few updates to the case : 1. It looks like the escrow account has been updated. It no longer shows that I need to pay an amount of {$7900.00} - however, it still shows an amount of {$400.00}. That is still incorrect - it needs to be XXXX. ( see attachment Account snapshot XX/XX/XXXX.pdf ). 

2. The XXXX payment of {$3300.00} has not yet been applied. I have been making timely payments and not being applied to the mortgage balance will cause late payments and fees and adverse credit reporting, which are not acceptable. 

3. I have still not received an explanation as to WHY the escrow account was added. Specifically, I would like to know which section of CA Civil Code 2954 ( a ) caused this - a statement saying that the escrow account has/ will be removed is not sufficient. I am not aware of any of the conditions being triggered and if none of the conditions were triggered, then it is very clearly a violation of CA laws. ( see attachment Loan_Document_Escrow_Conditions.pdf ) 4. From my messenger conversation with Mr Cooper agent XXXX ( see document Messenger Conversation.pdf ), it appears that Mr Cooper has paid one installment of property taxes on XX/XX/XXXX. There are several problems with this claim : a. I can not see anywhere on my account where this transaction shows up. 
b. The county website shows that the first installment of property taxes were paid on XX/XX/XXXX ( see attached Property Tax History.pdf ). 
c. Given that I first raised this issue on XX/XX/XXXX and had informed that the property taxes had indeed been paid ( and reflected on county records ), why was this not checked? 
d. This was clearly done without my consent and without any justification. I do not know who the taxes have been remitted to, if at all - Mr Cooper should work directly with that authority/county to recover the money. I will NOT reimburse Mr Cooper any of the amount. Instead, I will pay the second installment directly to the county as per the loan terms. 

Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit report is showing late payments to XXXX XXXX XXXXXXXX and XXXX XXXXXXXX, Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX and XXXX customer service representative.

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