BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: MI
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:
Several violations are being broken and i tried to dispute a couple of times please help get these accounts removed as it is hurting my report by not reporting 100 % and should not be on there

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 2023-09-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There's an Invalid Balance. I have proof of all my payments are registered in Chase Customer Service. Chase Bank is charging me transactions that don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-04-23
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
MY COMPLAINT IS SUBMITTED BY ME PERSONALLY. IT IS NOT INFLUENCED BY A THIRD PARTY OR ANYTHING OF THAT NATURE. PLEASE REVIEW MY ATTACHED INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I submitted a dispute contesting the validity of the bankruptcy being reported on my Credit Report. I have challenged the accuracy of the reporting that it is inaccurate, which it is, and to have it removed from my 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 2022-06-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX bank sold my loan to Citizens Bank. XXXX failed to change my address and transfer my accounts and direct deposits to Citizens bank. 
Citizens failed to communicate the problem with me and payments where made on time on XXXX, but Citizens is lacking of technology to catch that on file and fraudulently send a report about late payments inwhich XXXX had them. Payments were made on time and still they didn't reported them as pay in my credit history. I want the Bank to removed those late fee payment entering so my history goes back to 100 %

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In 2016 I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was in the hospital for 3 weeks and was XXXX for a few months. I had medicaid. These debts were supposed to be paid by Medicaid. In XXXX I called medicaid with Americollect and medicaid verified I had coverage but that they wouldnt pay as its over a year old. XXXX XXXX recognizes they made a mistake and said they would remove it from my credit but they have not yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: PLANET HOME LENDING, LLC
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 is missing that should be on the report

Complaint:
I'm being held back from a judgement on ( 1 ) credit reporting agency. XXXX is reporting a foreclosure on my report and XXXX XXXX will not allow me to refinance my home with a foreclosure on my record. I disputed this matter, sent in 12 months of clean payment history and my modification plan for XXXX to confirm that my mortgage company is NOT removing the foreclosure code. The other ( 2 ) reporting credit agency are coding late payments and have NO record of a foreclosure on my credit report. I'm being judge and denied for something that did NOT take place. I never been through a foreclosure. I own the house that is being reported as a foreclosure. My mortgage company, Plant Home Lending has inaccurate information on my credit profile and its impacting my livelihood. I spoke with XXXX and they saw the inaccurate reporting and agreed to submit another dispute after the no change status from my first dispute to resolve this matter. I'm not being treated fairly with labeling me with something that did NOT take place. This is negatively impact me and my ability to provide for my family. I'm simply asking if the coding can be consistent with the other ( 2 ) reporting agencies and simply code as late payment and NOT a foreclosure. I'm seeking assistance for someone or agency to work with me to resolve this matter with a sense of urgency. I greatly appreciate the understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

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 2022-11-24
Company: Experian Information Solutions Inc.
State: GA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I paid or credit my account with negotiable instrument and the company refuse my tinder of payment Affidavit of truth This matters concerning capital one and those representatives Who handles consumer accounts XXXX XXXX account number XXXX When I start using coupons or negotiable Instruments it is not supposed to be refused Ive been sending in tinder for payment and it has not been excepted I also Close my account there was no reason to close my account I did everything that was lawful and under the UC see laws as well as The fair credit act You are being notified that you are breaking the law Also giving you notice that I will be using the negotiable instrument coupon tinder for payment Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: American Credit Systems, Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sir/Madam, The XXXX  bill sent by XXXX XXXX  XXXX was supposed to be paid by XXXX XXXX XXXX 
We had a XXXX way calls among XXXX XXXX, XXXX XXXX  XXXX, and me. As per the call, XXXX XXXX  XXXX submitted the claim with wrong code. XXXX XXXX suggested XXXX XXXX XXXX to submit the claim with correct code so that XXXX XXXX can pay the claim. XXXX XXXX  XXXX agreed to re-submit the claim with the correct code. 
All of a sudden, I am seeing this debt collection notice from American Credit System without further communication to me about the update from the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
The mortgage company Mr Cooper is saying our loan is in default and in pre-foreclosure. We have been trying to resolve problems with our property taxes and escrow analysis since our loan was transferred to Mr Cooper from XXXX in XX/XX/XXXX. For the first year Mr Cooper held our mortgage, they did not pay our property tax bills. In XX/XX/XXXX, they paid the past due taxes of {$2600.00}, and conducted an escrow analysis using {$3700.00} as our annual tax bill. Our actual property tax for XXXX is {$1600.00}. Our monthly payment ballooned from {$1700.00} to {$2200.00}. We contacted them immediately and informed them we would be paying principal and interest amounts only until the escrow calculation was corrected. Because of how they apply payments, they consider our mortgage past due {$3100.00} since XX/XX/XXXX. Every phone number we have found for them goes to their general customer service reps who have no power to do anything, they take notes and say someone will get back to us. Someone named XXXX XXXX XXXX is supposedly our " mortgage specialist '' but we have no way to contact them. The only calls we receive are about collecting money they think we owe them, so then we need to explain the issue all over again with no resolution. Instead, we have received 4 letters about foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: CA
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 dont have an account or any business with XXXX XXXX. Never had. the inquiry showing on my Equifax report should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Fraudulent Account is reporting on my consumer report that Ive never personally opened with XXXX. 

Account XXXX XXXX Account name- XXXX I received a copy of my credit report and I have found the following items listed below to be in direct violation of my consumer law under the provisions of the Fair Credit Reporting Act. These accounts are listed with late or missed payments and should be listed as PAYS or PAID AS AGREED. Account Name : XXXX  Please update the account as Paid/Current My Consumer Law 15 USC 6802B has been violated. It states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. By the provisions of the Fair Credit Reporting Act, my Consumer Law was violated when I was not given the opportunity to direct that such late payments may not be disclosed to such third party like your bureau. Its my understanding that you will recheck these items with the creditor who has posted them. Please remove the late payments that were posted without my consent to opt out of having them report to a third party. Please send an updated copy of my credit report reflecting the requested changes. Thank you for your help with this matter,

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 2023-06-14
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I already filed a complaint related to an equipment lease from years ago. The complaint was resolved and US Bank said that they accept {$1200.00} as a buyout for the equipment that we accidentally gave to the maintenance company instead of the leasing company at the end of our lease. 

I do not know how we ended up in this contract as it was not signed by an officer of our company. It appeared to be signed close to a decade ago by a regional manger during a time of limited corporate oversight. We continued to honor our supposed commitments under the contract and made payment despite concerns about it's legitimacy. The contract ended and we attempted to return the equipment to the lessor, but mistakenly returned it to a 3rd party that disposed of it. 

I explained that we could not return the equipment to the lessor and they said that they could accept about {$1200.00} for a lease buyout. I expected to receive an invoice for {$1200.00} but instead received one for $ XXXX as if the lease is just going to continue forever.

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 2022-06-21
Company: EQUIFAX, INC.
State: GA
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:
Greetings, In accordance with the Fair Credit Reporting act XXXX  following Address, Accounts, and Inquiries below, have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Lastly, LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists. 

Addresses : - XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XX/XX/XXXX - XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XX/XX/XXXX - XXXX XXXX XXXX, XXXX, GA XXXX, XX/XX/XXXX Accounts : - XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) : XXXX - XXXX XXXX XXXX : XXXX - US DEPT OF EDXXXX : XXXX - XXXX XXXXXXXX : XXXX Inquiries : - XXXX - XXXXXXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation