BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX; XXXX and Transunion are reporting incorrectly a charge-off on the XXXX - partial account number ****XXXX.  (Please see pages 11 and 12 of the attached credit report.)  This account was settled and paid-in-full over five (5) years ago.  This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.  I have contacted the (3) bureaus to remove this, however I have not been successful.

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 2020-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I am writing this letter to file a serious complaint because BOA credit department refuse for my credit adjustment. 

I have paid off the loan balance on XX/XX/2020. I checked the account balance was XXXX via on-line banking, so I don't look at the account since then. 

On XX/XX/2020, my refinance agent told me that I have bad credit scores due to BOA line of credit showed LATE FEE in XX/XX/XXXX and XX/XX/XXXX for two accounts XXXX and XXXX. I was shocked and went to on-line banking to check, and find I still have a new balance of {$14.00} in XXXX statement and a late fee {$29.00} shown in XXXX and XXXX statements. But the late fee was waived and finance charge was credited in XXXX statement. 

I sent dispute letter to BOA, their response was the statements shown were correct, they will not change it. I didn't argue the data was error, but want to debate what it happened and seek for a courtesy credit adjustment. I usually have over XXXX score but now drop 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 non-monetary relief
Consumer complaint received 2022-08-06
Company: CMRE Financial Services, 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: Their investigation did not fix an error on your report

Complaint:
I had coverage with XXXX while under a physicians care. I have a letter from their office acknowledging I would have a XXXX balance at the end of my care due to having XXXX. The office waited past the dates XXXX  would cover, to immediately send an amount of money to collections, also without billing me prior. They continue to refuse the paperwork I have sent, along with XXXX letters. This is an unjust action on my credit report that has no standing. They did fix the duplicate reporting, they initially hit my score with two different {$500.00} charges which I don't even have an XXXX  with services for whatsoever. 

CMRE FINANCIAL SERVICES - Opened - XX/XX/XXXX - {$510.00} - XXXX  XXXX XXXX XXXX letter - coverage began XX/XX/XXXX and ended XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 account XXXX XXXX XXXX # XXXX violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/2022 account # XXXX was opened under my name without my knowledge or consent and was used and left a XXXX balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.

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 2023-01-20
Company: M&T BANK CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Inquiry of my credit report were made to financial institutions without my knowledge. 

The institutions were : M & T Bank, XXXX XXXXXXXX XXXX and XXXX XXXX. 

Plus other financial institutions. 

Froze all my credit reports. 

Put dispute resolution in the credit bureaus.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I would like to have these items removed off my credit report, These negative inquiry items are messing up my report & section law 15Usc of code.It should has to be removed.

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 2021-02-27
Company: I.C. System, 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: Information belongs to someone else

Complaint:
I have been monitoring my credit report and their are inaccuaries on accoun not of my doing, and have not been authorized anyone to do so. As an THE ORIGINAL CREDITOR, the law states unverfied accounts and inquieries must be removed immediately. These accounts are not authoried by me and I do not owe these alleged debts. 

XXXX shows the following misinformation : XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX. {$100.00} XXXX XXXX ) IC sys {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX  the following : XXXX XXXXXXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX {$30.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$970.00} XXXX XXXX ) XXXX XXXXXXXX XXXX {$28.00} XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} 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 2021-01-30
Company: FinCo Services Inc DBA Current
State: TN
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:
I filed a dispute in XXXX with Current debit customer service after my account was hacked and my money was stolen out my account and used digitally at a XXXX in Florida and I am not in Florida I am in Tennessee. Over $ XXXX was used for a fraudulent purchase I did not make, after I reached out to Current Customer Service. I had a dispute opened and was to be settled because they have location on my phone, so I did not make the purchases. And after I thought it was settled because my money was returned. Now as I of today my account back in the negative and to my knowledge it was settled until I checked my account today. I am tired of them stealing my money because our accounts should be more secured but its obviously not. I just want my money all back and I will be discontinuing using Current again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1400.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX  XXXX Balance {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Academy Mortgage Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PMI was scheduled to auto terminate when loan to value reached a predetermined 80 %. 
PMI was continued without any relief for 6 months until I contacted the company to remove it. They stated that they could not remove the mortgage insurance because they could not determine the value of my home. This is false because they sent me monthly notices of current valuation of the property. I was offered the option to pay XXXX for an independent realtor valuation which I agreed to do. The valuation was determined to satisfy the removal of PMI but still has not been completed. I am requesting a refund of 6 months of the PMI payments made from my escrow account since it should have auto terminated. All data available on line exact numbers are available within the account profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
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 am a victim of identity theft this is so unbelievable someone has hack into my personal information. 
and open fraudulent Accounts and its seem as if they are applying for credit and shopping for a car please help me resolve this situation every account on this report 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 2023-06-11
Company: Nelnet, 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: Account information incorrect

Complaint:
Nelnet has been reported to the credit bureau late payments when I was on a forbearance plan with them. They have reported 6 late payments which it shows I was on Income based plan with them as well as the COVID-19 forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my 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 2023-01-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX shows my balance with XXXX XXXX as {$140000.00} and {$22000.00}. I have filed disputes with XXXX and edfinacial services. XXXX has not fixed the problem. After looking at transunion report shows my balance zero and closed for XXXX XXXX. I realize the problem is with XXXX not XXXX XXXX 
In my document uploads I show my balances on XXXX. zero balances on the XXXX websites and XXXX report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account info Account name XXXX XXXX  Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$12.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$12000.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XXXX XXXX Balance {$530.00} Balance updated XX/XX/XXXX XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4700.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Note Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$3.00}, XXXX written off. 
Status updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Closed. 
Status updated XXXX XXXX XXXX {$0.00} XXXX updated 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 2023-01-15
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Enhanced Recovery XXXX has been putting false information on my credit report. They said my account was opened on XX/XX/XXXX, and that I have a balance of {$2800.00}. My account was actually opened on XX/XX/XXXX. My account was closed with them XX/XX/XXXX with a balance of {$1300.00}. I've reached out multiple times to make sure these fixes were applied and to make payment arrangements. They send you through multiple options on the automated voice system and then either hang up or never answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, 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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
To whom It may concern my name is XXXX XXXX, I was a customer with Chase bank for 12 years. My Chase checking account number was XXXX, and on XX/XX/2020 Chase closed my account for no legitimate reason. On that same day that my checking account was closed XX/XX/2020 by Chase bank I currently had the amount of {$9200.00} in my checking account. Again, Chase bank decided to close my checking account for no legitimate reason, when I spoke to the branch manager XXXX from the XXXX XXXX CA. branch, and XXXX manager I asked both for an explanation the Chase branch manager, and his manager had a very rude response stating that Chase can close any ones account to their discretion, and do not have to give any type of explanation. Both Chase managers also stated that Chase will mail me a cashiers check in 10 business days for my remaining funds from my account which was in the amount of {$9200.00}. I never received my funds from Chase, I tried to contact Chase numerous of times concerning this issue can could not get through. The last time I called connected Chase I did speak to someone in the fraud department and this person had me on hold for almost an hour and then they disconnected the phone. The bottom line is Chase do not have to right to hold anyones money for over four months after they close their account. I started a XXXX XXXX XXXX last year as a XXXX XXXX, in which by law I can use my personal bank account to conduct business as a XXXX XXXX  The funds in my account was a grant given to me to help my business, and again by law chase bank those not have to right to keep my {$920000.00}. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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 recently received and closely studied a copy of my credit report. To my dismay, it seems that the credit report currently shows an alleged credit inquiry 1.XX/XX/XXXX 2.XX/XX/XXXX by this company that is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. I understand that nobody should be allowed to put an inquiry on my credit file unless I authorize it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-01
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: Their investigation did not fix an error on your report

Complaint:
I received another alert through XXXX  on XX/XX/2018 updated by Equifax with another derogatory reporting with an increase in amounts labeled charged off. Equifax and XXXX XXXX XXXX reporting is listed under revolving account. Equifax does not have an effective investigative method that shows all the new information and changes made by XXXX XXXX XXXX  over the last 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Been trying to place protective credit freeze with Equifax. Tried online and it blocked me after I provided full and all correct identification data. Then tried with their specials auto phone service and it didn't work, then I tried their special app XXXX XXXX XXXX and it too did not go through despite all correct data provided. Tried calling in without success 3 times, then sent email to customer support asking for a call back. they responded they don't call back and directed me to these same online and phone options that didn't work. I sent another email insisting to get call back they refused again. Finally got them on the phone and after a long, very annoying and tedious automatic process on the phone I finally reached a human person from support only to provide the same identification data which he confirmed is all correct. He had to place manual freeze cause the online system still didn't allowed me to do it. He claimed they have " refreshed '' my details and it should be OK within 2 hours cause they have a " system update '' now. I asked him to call me in 3 hours so that we can log in together to the system and see if it now works. He claimed they don't do call backs. I requested to talk to a supervisor explained that I am trying for 3 days to put this frees, and they still can't help me due to their own system issues, and I demanded someone will call me back so I don't have to again go through the whole long, tedious and very annoying identification process just to maybe get connected with a customers support rep. She refused and said they don't do call backs. I then asked to talk to her supervisor and she claimed their is no other option to escalate. Also they said the freeze confirmation will be confirmed by regular mail within 7-10 business days. They don't confirm it by email despite the fact that both XXXX and XXXX  confirmed the freeze with email after a short and easy process. 

Equifax is a credit rating company that operate and manipulate our personal data, and they can have major impact on our lives with their credit rating service. It is totally unacceptable that such company that uses our information and data, does not provide a suitable high level customer support service to the very same users/customers from which they make their revenues. I expect CFPB to audit Equifax, reach their CEO and force them to up their game and improve their customer support operation and service. Their current level of support is totally unacceptable. They can learn from XXXX  and XXXX  how to make this easy and transparent.

Company response to consumer: Closed with explanation