BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have a DISMISSED CHAPTER XXXX BANKRUPTCY ON ALL MY CREDIT REPORTS. It was filed mistakenly an attorney ( I onced used for a real estate closing ), on XX/XX/XXXX. It was filed and there was no follow up at all with the bankruptcy court at all. It shows on all my credit reports dismissed with a balance of {$0.00}. I asked my attorney why did you file the bankruptcy, he tells me that he believes he did not do it, which I believe he did by accident. Of course, the attorney is protecting himself even though his name is on the paperwork with the court. I have a good to excellent credit for a long time. My scores are in the range of XXXX or better. When ever I apply for credit for credit cards, car loan or a simple furniture loan of only {$1000.00}, I always get denied due to a bankruptcy appearing on my credit reports, even though showing its dismissed with a {$0.00} balance. It is really frustrating my life especially as a newlywed as I am struggling to start a family with my wife. I definitely do not deserve this and it is not fair when I have been always a 100 % excellent with all my creditors. This Bankruptcy is scheduled to appear for 7 years on my reports, XX/XX/XXXX to XX/XX/XXXX. I CAN NOT afford this for another 5 years disrupting my life moving forward. I have tried numerous times with the court, the attorney and the credit bureaus to solve this issue and all I get is the run around with no success removing the mistakenly filed bankruptcy.

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 2022-08-10
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX, XXXX XXXX and XXXX XXXX prohibit me from being able to access my account funds. They assist identity thief XXXX XXXX XXXX XXXX XXXX XXXX with the theft of my identity and account assets. Please see attached email attachments. 



On XX/XX/2021, I deposited a {$460.00} check. The NFCU confiscated the check. 

It communicated to me that the proceeds would be applied to the checking account outstanding balance and the credit card 's outstanding balance. I had previously requested payment arrangements for both accounts. I was informed that because there weren't any payment arrangements on file for the accounts, the deposit could be confiscated and applied to the outstanding balances. The payment arrangement requests were denied because I am XXXX XXXX. My account has been defrauded in over {$30000.00}, in credit and debit card authorizations, by XXXX XXXX, XXXX XXXX, XXXX XXXX and the employees of the XXXX XXXX XXXX of the Navy Federal Credit Union because I am XXXX American. I requested written documentation of both debit and credit card authorizations and were denied this written documentation because I am XXXX American. I was told that I have been permanently restricted from the NFCU because I am XXXX American. I was told that I can't call into the NFCU because I am XXXX American.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: M&T BANK CORPORATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer, M & T Bank, has been waiting to apply my mortgage payments to my account, charging me erroneous late fees, harassing me with late payment phone calls when my mortgage was paid, and marking me late on my credit report for the last XXXX years. 

I have tried on several occasions to resolve this on my own with M & T but XXXX received any help of any kind. I have called on several occasions, written a letter, and even sent in proof of the receipts to show when my mortgage payments were made. 
Every single mortgage payment in this time period has been made the exact same way. I cash my check at the XXXX M & T branch closest to my home, then give the teller the cash to pay my mortgage payment. Every single payment I have made has been made prior to being XXXX days late on my mortgage payment, and I have the receipts to prove it. However, my credit report shows otherwise. I believe that I have not had a late payment since prior to XXXX of 2020. In XXXX of 2020, I caught up on my mortgage. I believe I was XXXX months late. This was due to my XXXX being XXXX  and XXXX in my home. 

Having these late payments on my credit report is hindering me from being able to sell this house and purchase a new house, which I need to do to be able to bring my XXXX XXXX here to live with me. I have been told by more than XXXX mortgage company that I need to have a cleaner payment history in the most recent 12 months to meet mortgage underwriting guidelines. Additionally, this has destroyed my XXXX XXXX, preventing me access and/or reasonable terms to multiple different forms of credit. 

I will attach the following documents to show proof : - A written timeline/ outline that shows the date the payment was made, the amount the payment was made for, what months mortgage payment, if I should have accrued a late fee for paying after the XXXX of the month, when I did pay late fees, and the late payments that appear on the credit report broken down by year - Copies of all receipts from M & T Bank XXXX specify the date the mortgage was paid and for how much - A copy of my most recent credit report - A copy of my most recent letter from M & T showing I have tried to resolve this on my own. I have additional letters, but Id have to look for those letters. The letter shows that my cash mortgage payment is not being applied when it is received. 
- A copy of my most recent monthly mortgage statement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-06
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
all 3 CRA reporting account of public records outdated reporting SINCE 2011, not my account/ never file bankruptcy, incorrect " XXXX '' data and violates FCRA provision 605,607,611 and 623a

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: DISCOVER BANK
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I was with Discover, got behind on payments. The situation escalated and I was getting sued by Discover we arranged payments and now the debit is paid. The problem im having is that Discover hired XXXX XXXX XXXX ( law firm ) to sue me which meant account never left Discover hands, i quote " Respectfully submitted, Discover Bank By Its Attorneys ''. So now that the money is all paid Discover changed my account from Closed to Current then the very next day Changed it to an charge-off with {$0.00} balance. How can you charge-off nothing? Only thing being done is Discover being vicious against me to hurt my credit. I been watching my credit reports, Discover only closed the account and hired XXXX to do the dirty work and now still trying to write it off as an charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: CITIBANK, N.A.
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 am XXXX XXXX and I am submitting this complaint myself. CITI is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to CITI but they failed to give me any results. Please investigate properly and remove it from my personal credit file. Thank you. 

( CITI 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 2018-01-21
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
CitiBank automatically set up a transfer from my Citi Forward card to a new credit card they created called the Citi ThankYou card. In the process of doing so they left bard cards active and set up a process of transferring purchases from one card to the other. Since both cards were technically active they then charged me duplicate interest charges. When I questioned them as to why I was charged interest on my Citi Forward card they said it was because it had a balance, yet they also said that balance was transferred to my Citi ThankYou card. I  had called them days before the interest was to be charged and they said to not worry about it and that no interest would be charged. But, when I called in after seeing they charge they told me the interest charge was valid. I feel like they are both taking advantage of me and also displaying inaccurate/confusing/malicious information on my account website. I also worry they are harming my credit score because of the 2 duplicate balances being reported. I 've attached screenshots where you can see I 'm being shown duplicate charges and duplicate interest on both accounts. They post that during transfer consumers will be shown inaccurate information, yet I have no way of knowing what is accurate as each time I contact them I 'm told something different.

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 2021-10-09
Company: Park Hill Holdings
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
FACT : Im submitting this complaint myself and there is no third party involved. CORELOGIC D/B/A SAFERENT has continuously placed a false public record on my consumer file that has had a detrimental impact on my livelihood. 

They are reporting an eviction on my credit when there is no public record to be found. SAFERENT claimed to do a reinvestigation dated XX/XX/XXXX but I have had my consumer report ran through several consumer reporting agencies dated XX/XX/XXXX and XX/XX/XXXX and they all confirm that there is no judgement or public record attached to XXXX XXXX ( Exhibit A & B ). 

In fact, XXXX, one of the consumer reporting agencies attached in my evidence used BOTH CORELOGIC and SAFERENT to validate MY consumer file which stated NO EVICTION OR PUBLIC RECORD FOUND, dating back to XX/XX/XXXX ( exhibit B third page ). 

They have clearly been violating my consumer rights for years, and continuously, knowingly, willingly. This has harmed my entire life and I am forced to hold SAFERENT AND CORELOGIC accountable and enforce the consumer protection Laws.

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 2018-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted TransUnion Dispute Department and was transferred to one of their customer service reps named XXXX. I told her my problem with her agency listing XXXX XXXX  as a Charged off account. I informed her I had written a collection validation letter to XXXX XXXX  and wanted them to validate this debt showing up on my TransUnion credit report. I let her know I had sent this letter to the creditor twice, and I had gotten no response from the creditor in the last 45 days. She said she couldn't remove the account from my credit report and she needed a letter from the XXXX XXXX  to remove the account from my report. I stated that they have dual listings as they have XXXX XXXX listed as a collection account as well. It has to be either a charge off account or collection account, they can't have both. She told me there was nothing they could do. I also told her that the XXXX XXXX XXXX XXXX couldn't verify to me that any of my student loan payments were late, and that I would have to take it up with TransUnion. XXXX told me there was nothing she could do without a letter from 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 2021-04-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against PORTFOLIO RECOVERY. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, XXXX  XXXX Employers : XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, XXXX, XXXX XXXX XXXX added two derogatory marks on my credit file per XXXX XXXX  The amounts were {$59.00}, and {$1500.00} dollars. Upon further research it was discovered that as of XXXX XXXX XXXX XXXX XXXX actually had their license revoked in Florida and therefore can not come after me for this debt. Also there was NO WRITTEN form of communicatiofor/ contract for these accused debts at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Transunion violated my rights under FCRA. Transunion deleted a Chapter XXXX Bankruptcy on my credit report due to a dispute I submitted, however, they reinserted the Bankruptcy and did not notify me that it was reinserted. It has been over 30 days and Transunion failed to report it deleted and instead reinserted the Public Record. Do I have grounds to sue? Transunion notified me over the phone that they dont have to verify the Bankruptcy. Please see my attachments from XXXX XXXX showing it was deleted by Transunion. I also I contacted the court and they did not verify this public record so why does Transunion continue to inaccurately report. Its bias and discrimination.

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 2021-03-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a XXXX XXXX account. On XX/XX/2021, I received a XXXX credit card payment form my customer ( XXXX XXXX XXXX XXXX ) for {$41000.00}. After XXXX deducted their fee for processing the credit card, i was left with {$39000.00}. I deposited 2 transactions into my chase personal account from my XXXX XXXX holding account. 

1. transaction date XX/XX/2021 instant deposit {$27000.00} 2. transaction date XX/XX/2021 for {$10000.00} total XXXX deposited from my XXXX  account and placed into my personal account. 

JP Morgan Chase bank is the bank in question and major issue. The bank place my account on restriction because of suspicious activity. I went into the bank and the Banker ( XXXX XXXX ) explained that this was done because of a business transaction was deposited into a personal account and they needed to verify funds belongs to me. The XXXX is me and my husband XXXX. We submitted all required documents requested and yet the bank decided they were not sufficient documents and place the account into suspension after 10 days. This money is money we work for and our XXXX we own. We don't understand how the bank can take our money after we have verified it belongs to our XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to the Credit Bureau 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation