BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 had a balance on my XXXX credit card of {$21.00} that I was unaware. I received a credit alert in mid XXXX that my account was over 30 days past due. I immediately called the XXXX XXXX about the issue. My address that they had on file was invalid and I gave them the correct address information. They reversed the late fees and finance charges and I paid the balance immediately. Although, my other contact information was correct, I never received any phone calls or other communication from XXXX XXXX that there was an issue with my account. I asked them could they correct the 30 days past due on the credit bureau reporting because I didn't want to be penalized for the bill that I was unaware and for them not having my correct address. They said no that I would have to contact the credit bureau. Of course, I contacted the credit bureau and they said that XXXX XXXX would have to correct it. I disputed it at all 3 credit bureaus. To date, the negative reporting was reversed at XXXX. In XXXX, the negative reporting was reversed with TransUnion but they have since put it back on in XXXX. I have been given the runaround because of this issue and it has become very stressful. My credit bureau score dropped XXXX points because of this negative reporting of {$21.00}. TranUnion keeps saying that the company needs to correct it and then they close my dispute with no notification or disclosure of results. XXXX XXXX keeps telling me to contact the credit bureau. I'm at a lost here of what to do next.

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 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
You do not have the right to have a pending investigation until XX/XX/2020. THE LAW IS CLEAR IT SAYS 30 DAYS TO INVESTIGATE. YOU DID NOT INVESTIGATE IN THE 30 DAYS. ANY INVESTIGATION AFTER XXXX IS ILLEGAL. 

CLOSE THIS MATTER 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
Consumer complaint received 2022-01-06
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: Account information incorrect

Complaint:
I requested proof of debt on XX/XX/2021 of a debt XXXX reports I owe. 

I demanded copy of agreement, and none was provided. 

XXXX sent the attached letter dated XX/XX/2021, did not addressed the request, yet continues to report false information on my credit. 

Pursuant to the FDCPA ( 15 USC 1692g Sec. 809 ( b ) ), I am entitled to receive a copy of any credit card agreement and a statement of account when I request it.

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 2023-04-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX XXXX 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 2018-05-11
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I recently short sold my primary residence in a short sale on XX/XX/2018. The first mortgage was a full payoff, the second, with PNC Bank was a short sale and they settled for {$77000.00} per their attached short sale approval letter. The letter clearly states that the debt of {$34000.00} was to be forgiven. Now after almost 3 months, they have still not recorded the satisfaction and have taken the past due out of my checking account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
When applying for a mortgage back in XX/XX/2018 or something as simple as getting our gas/electricity transferred to the new home, I am told by multiple companies that I don't exist when they use the credit report company Equifax. Companies that used XXXX  and XXXX have no issues with finding me under my social security number. I contacted Equifax and was told multiple times from multiple people that I don't exist or my number pulls someone else 's name up so they can't help me. Even after I tell them XXXX  and XXXX do not have this issue. I would like this inconvenient issue fixed. Many companies have denied me service because they use Equifax to check my credit scores and it pulls up someone else 's name under my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
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: Information belongs to someone else

Complaint:
THE ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO THOSE LATE PAYMENT ENTRIES. THOSE LATE PAYMENT ENTRIES ARE INACCURATELY PLACED ON MY REPORT. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE LATE ENTRIES PURGED OFF MY CREDIT FILE. THOSE LATE HAS BEEN CAUSING HARM TO MY FILE WHICH I WAS UNAWARE OF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a complaint a few months ago and did not get a response from this company, neither did the problem get fully resolve. When I reported it last, it was against XXXX XXXX XXXX, and later looked into my card account on XXXX to see when they report to Experian , and it showed each month on the XXXX but EXPERIAN are not updating the score to and updated credit score in a timely manner. This is a continuation of Experian and who knows how many other persons this kind of practice this is effecting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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. The list of accounts below has violated my Federally protected consumer right to privacy and confidentiality under 15 U.B.C 1681. 

XXXX : # XXXX, Experian : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.U 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting containing any of the following more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Account Numbers : # XXXX XXXXXXXX XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX. XXXX XXXX XXXX : # XXXX. XXXXXXXX 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 2019-02-13
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Im Being charged an interest rate when that was not a part of the original contract.i only owe XXXX not XXXX something.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: NAVY FEDERAL CREDIT UNION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy Federal has frozen my account. I can not withdraw, transfer, or use debit card. They have locked me out of my account and I have no access to my funds. This is because loan is past due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: National Healthcare Collections, LLC
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I got a credit strike for debt XXXX XXXX reversed after an investigation into unauthorized billing. Its from a location I do not live in. I moved to XXXX  in XXXX of 2020. I have a XXXX  and XXXX. They obviously did not know you have to send mail or make contact before reporting a collection to a chapter XXXX protected individual. File # XXXX XXXX XXXX XXXX  XXXX. I had billing fraud from XXXX Hospital in XXXX. XXXX XXXX XXXX XXXX  attempted to collect for a preemployment physical and then a XXXX  XXXX. XXXX  swept it under the rug but he has more complaints, and licensure investigations for having XXXX with patients, XXXX  use, and HIPAA VIOLATIONS. I have a great XXXX  team and a great attorney who has advised to report this as fraudulent credit collections. I will sue them in court for unauthorized credit card billing, identity confusion, signature forging, and illegal collections of a bill not received. I am contacting you because of the threats in the past. XXXX  XXXX  collected from them money they investigated for running a card for payment 400 miles away. I am reporting a violation of federal law. I will be happy to produce evidence of such.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to express my frustration and disappointment regarding the negative reporting on my business credit card account with Chase Bank. The account in question has been reported as past due on my personal credit report, causing my credit scores to drop by XXXX points. This has made me ineligible for a mortgage, which has significantly impacted my personal and professional life. 

To provide context, I first contacted Chase Bank in XX/XX/XXXX to explain that I was unable to make a payment on my business credit card account because our vendor had not paid us. I made it clear that we would make the payment as soon as we received the funds from the vendor. However, despite this communication, the account was reported as past due on my credit report. 

In XX/XX/XXXX, I spoke with a Chase Bank representative about making a payment when the vendor paid us. However, the representative did not explain the terms and conditions of the account, which stated that the account would be reported as past due on my personal credit report. If I had known this, I would have made a payment in XX/XX/XXXX to prevent the negative reporting. 

I understand that it is my responsibility to make timely payments on my accounts, but in this case, the negative reporting was due to circumstances beyond my control. I feel that the lack of communication and explanation from Chase Bank has unfairly impacted my personal credit report and has had a significant negative impact on my life. 

I request that Chase Bank remove the negative reporting from my personal credit report, and take any other necessary actions to correct the situation. I have attached a copy of my credit report, which shows the negative reporting on my personal credit report. I would appreciate it if you could investigate this matter and provide a prompt response. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts 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 explanation
Consumer complaint received 2020-09-11
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is being serviced by Shellpoint and they are responsible for paying my property taxes which was due on XX/XX/XXXX. I received a invoice for payment from my county and I reached out to Shellpoint on XX/XX/XXXX. I communicated with XXXX XXXX and she told me that the personnel handling the taxes did not pay on the due date because my town had extended the payment date to XX/XX/XXXX. After insisting the payment be made immediately she sent me a receipt that the payment was made on XXXX. I received a second note from the county that my taxes were delinquent. The letter was dated XX/XX/XXXX and when I spoke with the county they informed me that the payment was not processed because it was not correct method of payment. That payment was returned on XXXX to 3rd party, XXXX. I contacted Shellpoint and spoke with XXXX XXXX the supervisor who again assured me this will be handled with the 3rd party vendor they use to pay the taxes, XXXX. XXXX emailed me that a check was sent to the county XXXX and he would follow-up to make sure it was received. After not hearing from XXXX I followed up with the county and was told the check sent was not a certified check and was not accepted. I am still waiting to hear from Shellpoint on the status of my tax payment. This very late payment is now accruing interest. 
The point of having a mortgage holder pay taxes and insurance is to ensure bills are paid in full and on time. The money was in my escrow and I don't understand why Shellpoint waited to pay my taxes. Is this a scenario where they were trying to use the extended payment period offered by the county because they are illegally moving money from one persons escrow to pay off other peoples debt? I do not trust this company to continue to service my loan and I would like to see an investigation into their business practices.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX. XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2016 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing 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 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am very concerned because this company Calvary is sending me a bill that I do not recognize for the amount of {$500.00} with an account number # XXXX. Their address is XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX. Their telephone number is ( XXXX ) XXXX. I think someone stole my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14
Company: CHECK INTO CASH 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2019this company ran my credit without my permission. Which then added a inquiry onto my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: EQUIFAX, INC.
State: MI
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:
Checking my report today and I noticed some accounts that was open I never was aware of there is some inquiries on my account as well as a bankruptcy Im so confused. the inquires dont even have a account why is this inaccurate info on my report man.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief