BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: NJ
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:
Hello, it has come to my knowledge that the information reporting on my credit is non-compliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Lexis Nexis is obtaining my credit report and incorrectly certifying my name for a public record. My legal name is XXXX XXXX and the public record should be removed by law. I have submitted my birth certificate attached, my social security number and government identification showing my legal name as XXXX XXXX and not the name of the public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: CMRE Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
*To Whom It May Concern, The reason for my dispute is CMRE FINANCIAL # XXXX**** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CMRE FINANCIAL failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CMRE FINANCIALfailed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. CMRE FINANCIAL is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CMRE FINANCIAL is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CMRE FINANCIAL has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Collection Center Inc
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On a third party voice message system a collector from collection center in named XXXX left a voicemail for me and stated that he was a debt collector inferring that there was a debt in blatant violation of fdcpa laws

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a couple of auto pay transactions and an unexpected expense arose and it caused my account to go negative. Merchants send ACH through 2-3times and it caused over {$200.00} overdraft fees. The bank wasnt willing to refund the fees. I understand the initial fee but if a merchant attempts the transaction 2-3 times Im not able to stop it. I have since stopped the auto transactions. Currently making payments on account.

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 2023-02-15
Company: Atlanticus Services Corporation
State: PA
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:
On XX/XX/23, the creditor reported a late payment to credit bureau which is incorrect information. I'm requesting that this late payment to be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my auto loan with Capital One in XX/XX/XXXX.  I have not received title.  I have called 7 times and each time they tell me they don't show a lien.  However, I checked with the DMV and this is not true.  I need a title for my car to sell it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 rights to privacy and confidentiality under 15 USC 1681 : 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  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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-06-09
Company: Ocwen Financial Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is my 15th attempt and complaint against XXXX XXXX XXXX  and PHH Mortgage Servicers, whom refuses to correct my XXXX  Credit 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 2021-10-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I lost my wallet and an unauthorized individual, whom I don't know, used my debit card, and my credit card, to buy thousands of dollars in XXXX merchandise. There were other charges that never made it through because they were declined by both XXXX  XXXX XXXX and Chase, once they recognized that they were not within my normal shopping patterns. 

Hours after the incident, I reached out to the fraud departments of each respective company and filed a fraud claim. XXXX  XXXX XXXX, the bank I have my debit card with, reversed the fraud charge in the amount of {$4900.00} very quickly with no issues after I gave them my statement. 

Chase, however, did not. I called 6+ times to resolve it between XXXX and XXXX, and they just pushed me from department to department, asking me to email documents proving that XXXX reversed the charges. I obliged and sent the documents. No response from Chase. I did it again. Same result. I was getting automated emails saying that they would process the documents, but every time I called, they said I didn't send them and that I would have to try again. In total, I sent the documents twice, on XX/XX/XXXX and XX/XX/XXXX, after I found out that they closed the claim without sending me a letter or notification or anything. 

This is not a small amount of money, and I have had to pay the nearly {$4000.00} bill for the charge ( {$3800.00} to be exact ). I have gotten multiple letters saying that the charge was valid and that they were closing the claim since I sent the emails in. Every time I call, it's the same routine. Now, however, the fraud protection department won't even answer the phone, and whenever I call, it puts me through to someone, we talk for a couple minutes, and then they hang up in the middle. Every. Single. Time. 

This is so ridiculous for a company of Chase 's size, and it feels like they have no care whatsoever for solving my problem. I'm a small business owner and I can't afford to give away {$4000.00} dollars, but they refuse to do the bare minimum. I sick of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/XXXX the XXXX XXXX XXXX flagged my credit report with XXXX debt which is out of network and I was not notified. 
This is a violation of my rights of the No Surprise Act of 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 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
AFTER FURTHER REVIEW OF MY CREDIT REPORT, I HAVE NOTICED SOME ACCOUNTS THAT I HAVE BEEN AFFILIATED WITH. I DID NOT AUTHORIZE ANY PERSONS TO USE MY INFORMATION FOR THESE ACCOUNTS AND WHAT HAS BEEN RE-REPORTED TO THE BUREAUS AND IS NOW ON MY CREDIT IS 100 % INACCURATE. PLEASE ASSIST WITH DELETING THIS ITEM EXPEDITIOUSLY AS I AM NOT THE PERSON AFFILIATED WITH THESE UNKNOWN VENDORS.

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 2020-10-27
Company: Experian Information Solutions Inc.
State: CO
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 tried multiple times for Experian to verify these 3 credit card accounts from XXXX XXXX. I asked them to verify these 3 accounts. Each time they write back and said the account is verified. I have requested that I receive original documentation from these accounts and each time they do not verify the accounts, they refuse to look at my requests anymore. I started requesting this information back in XXXX of 2018 and have been since sending letters. Here are my USPS tracking number from that original time : Experian : XXXX I've also attached their investigation report as well. They did not do a full investigation. they checked e-Oscar and just stated it was validated. I am also requesting a paper copy investigation. I do not give consent for an electronic investigation. 

XXXX XXXX ACCOUNTS IN QUESTION Closed XXXX XXXX - # XXXX Closed XXXX  XXXX # XXXX Closed 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 2023-03-25
Company: EQUIFAX, INC.
State: UT
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:
On XX/XX/XXXX a company reported on my credit report as an account open on XX/XX/XXXX, a last payment date of XX/XX/XXXX and last reported XX/XX/XXXX. The company shows as XXXX XXXX XXXX. I looked into this and I seems to be from a closed university named XXXX University. If this was my loan, XXXX I have no knowledge of it XXXX the school is closed XXXX I have filed bankruptcy and the school I was aware of was notified of the bankruptcy and either they never responded for a claim or they were included. The statute of limitations has expired and this should not be reporting, I filed bankruptcy and included the school I went to and I have no knowledge of any account that money was owed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: ENCORE CAPITAL GROUP INC.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Disputed to Midland Credit amount incorrect. I lost my job due to Covid-19, and credit card company didnt wan na help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: PA
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 asked XXXX  and Experian to remove this account from my report, as it was result of ID theft. I have asked the bureaus previously but it still reporting until now and affecting my scores and files tremendously. I need help to get this item removed from my file. 

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 2023-01-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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: Account information incorrect

Complaint:
I sent the credit Bureaus letter asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report are still showing inaccuracies. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2018-05-25
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I've recently pulled my free annual credit report from Equifax. I've learnt that XXXX XXXX pulled my " hard '' report in XX/XX/2017. I understand that this negatively effect my credit score. I disputed this information via Equifax 's website. Upon receiving an email that my dispute was completed I called to find the results, since Equifax 's website wasn't working. I was told that I have to contact the creditor directly to dispute the information. I explained to the representative that I've tried but since I don't have an account with XXXX  and I've never opened one - they won't talk to me. And in addition, Equifax released my credit information to XXXX   without my authorization. Therefore, Equifax should be responsible for removing this information from my report. The representative said that she was sorry but she couldn't help me. I requested to speak to the manager, and once I did that the representative turn on the music and disconnected me.

I recall that in XX/XX/XXXX I attempted to apply for a credit card with XXXX, however I never gave them authorization to pull my credit report. They've sent me a Release Authorization form two times and both times they claimed I didn't complete it correctly so I gave up on them assuming that they won't pull the report without authorization. I've never received any other correspondence from XXXX. I don't have an Adverse Action letters or any other information required by the Fair Credit Reporting Act.

Please help me remove the hard inquiry form my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Freedom Mortgage Company
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
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/XXXX a principal and interest payment was paid in the amount of {$970.00} for my XX/XX/XXXX principal and interest payment. I understand that my principal interest taxes and insurance ( PITI ) payment is a total of {$1200.00}. My escrow balance due for the month of XXXX was paid on XX/XX/XXXX completing my XXXX escrow payment. When my loan was originated I promised to pay a certain amount for principal and interest each month to avoid any foreclosures and added interest that may accrue, and I have committed to that agreement since origination. A mortgage company is unable to pursue foreclosure on unpaid escrow so why are they able to report to the credit bureaus negatively when the escrow balance was not paid? 

Per my credit reporting Freedom Mortgage reported me as a 30 day delinquent because my payment ( PITI ) was not paid for the month of XXXX ; however, on my report it showed that I was in the arrears of over {$2200.00} which is not correct as they stated in their response dated XX/XX/XXXX ( which I just received on XXXX ) that my payment of {$1200.00} is the full payment for the month of XXXX. When i initially wrote to Freedom Mortgage I advised that my principal and interest payment was paid prior to the reporting date to the bureaus as well as my escrow payment was also paid for the month of XXXX prior to them reporting to the bureaus and asked that the revise their reporting and report the month for XX/XX/XXXXas current because the principal and interest payment was paid on time. Unfortunately, they declined my request, and provided me a response. 

Please help me with the following : 1- Update my credit report for the month of XXXX to current as the principal and interest payment was paid in the month that it was due. 
2- Explain to me how the credit bureau is showing a delinquent amount owed for over {$2200.00} when my payment is almost half of that. 
3- Explain to me how the mortgage company can not foreclose on unpaid escrow but they are able to report negative on a credit report if the principal and interest payment was paid but not the escrow portion of their payment.

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 2023-01-10
Company: Avant Holding Company, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX has processed refunds that Avant has failed to post to my account. I am reporting to you as in the past I have had issues with this same credit card. Although they eventually make the adjustments, they do not adjust the interest charged. 

XXXX PROCESSED REFUNDS DATE ORDER AMOUNT CARD NO. 
XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX I am owed {$140.00} in processed refunds plus an interest adjustment. 

They have also reduced my credit limit from {$750.00} to {$500.00} for no reason. I have never been late on this account and normally pay in full. I also do not have anything negative reporting on my account. I had reached out to them but never received a response. As you know, any changes in credit limit impact credit scores. It is the only reason I do not close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: CORELOGIC 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:
I never agreed to this company reporting on my credit profile. Under 15 usc 1681b It's my right to opt out.

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 2018-10-19
Company: M&T BANK CORPORATION
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company continues to call the borrowers bankruptcy attorney. The bankruptcy is long done and we do not represent the borrower anymore.

They keep calling to ask if I can follow up and get mortgage documents for them.

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