BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-24
Company: Experian Information Solutions Inc.
State: NY
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:
Hello good day, I have a notification from Experian app stating that XXXX XXXX  pulled my report and I checked what occurred to be an unauthorized inquiry on the Experian report. 
This occurred on XX/XX/2022. 

I've already spoken with Experian Credit Bureau to work on this issue as well as XXXX XXXX  to resolve these actions.

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 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
n accordance with the Fair Credit Reporting act US DEPT ED 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-09-23
Company: HCFS Healthcare Financial Services of TeamHealth
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:
I am writing a follow up letter for the accountsXXXX. 
XXXX and on XX/XX/2022 I sent you a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g ( Validating Debts ) : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( ARS ACCOUNT RESOLUTI, INPHYNET CONTRACTING SRV LLC-Original creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! 
Since you have failed to respond, I assume that you have been unable to validate the debt, so I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 
I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: AmeriCollect
State: LA
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:
This collection agency is violating my rights under the No Surprise Act of XXXX. I have a medical bill that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as under the condtions of the FCRA I am allowed a fair and accurate credit report Please see below for detials. 
Americollect INC XX/XX/XXXX in the amount of {$220.00} Americollect INC XX/XX/XXXX in the amount of {$130.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have been trying to get the bureaus to change the account status from derogatory to paid. These accounts are marked derogatory by the bureaus and both accounts have been paid. please update for I can not get approved for a apartment. 

I paid these accounts in attempts that it would help my credit but the bureaus keep on reporting that it is derogatory under account status, and they keep responding as it being verified, although the company 's have ALSO SENT THEM THE RECEIPTS. 

PLEASE HELP ME GET THIS UPDATED

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 2022-09-23
Company: EQUIFAX, INC.
State: DE
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:
To Whom it may concern ; Good day, I have an issue with your Organization constantly placing inaccurate information on my Consumer Report. I Found out about the latest inaccuracy TODAY XX/XX/2022. Due to this inaccuracy, my right to extend credit has been damaged to a great EXTENT! As a result, I was discriminated against and refused the A HOME LOAN! 
According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

This organization has officially been put on NOTICE! Im letting you know that I never gave consent to this report being furnished by you on my behalf and Im also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected!

There is no such law written anywhere that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Your organization neither exercised any of its responsibilities with fairness and impartiality nor PROTECTED MY RIGHT TO PRIVACY! 

I DEMAND you give me a piece of evidence that the information which is being reported has been properly investigated. Also provide me with the details of the system adopted by your organization to determine whether the transaction took place or not. 


letter attached has been Sent in the mail as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom this will concern XXXX XXXX XXXX  -present time Chase Bank Chase bank is my mortgage holder and when I call customer service, they requested that I open a checking account to pay my mortgage. I have been paying via my saving account for the last 5 years without a problem. They sent me emails that I am4 month in arrears and I am in foreclosure They said should go to a branch and make extra payments in addition to my monthly electronic withdrawal. ( On my mortgage ). ( See attached ). My original loan amount was {$160000.00} in XXXX  I have documents proof that I already paid {$550000.00}. Because over the years I made 2 huge payments of {$50000.00} once in XXXX and {$50000.00} XXXX TO PAY DOWN THE PRINCPLE OF MY MORTGAGE but there is no evidence of these huge payments.. I was told the XXXX branch that I could not buy down my principle??? but the more questioned and complained I was given more court judgments. To pay. I made {$17000.00} in XXXX that was to pay down on my principle, but they applied it to my interested to pay off all these fraudulent judgments '. Chase bank has been calling me 3 times a week to since XXXX ( sounding very unprofessional ) to refinance my mortgage to avoid foreclosure. My house should have been paid off 10 yrs. ago but I am constantly receiving bogus judgements that is added onto my principle. ( See attached ) I have a judgment that belongs to my ex-husband that is 10 yrs. old, and I have been divorced XXXX. 
To XXXX XXXX ` XXXX XXXX XXXX XXXXXXXX Fraudulent Loan amount form Chase. 

Please see attached documents. I financed my original loan with XXXX XXXX XXXX in XXXX for {$120.00}, XXXX NOW I still owe {$120000.00} I GOING TO LET THE NEWS MEDIA BE THE JUDGE OF THIS OURRAGOUS FRUDNET MORTGAGE LOAN FROM CHASE. THEY OWE ME {$510000.00} and for ruining my credit for 25 years. YOU HAVE TO WOONDER HOWMANY PEOPLE THAT THEY HAVE ROBBED LIKE THIS. 
I have documented proof AND NUMBERS DO NOT LIE PEOPLE LIE. ITS NOT WHAT YOU KNOW BUT WHAT YOU CAN PROVE. 
Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Experian Information Solutions Inc.
State: MT
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 did not give the credit reporting agency written permission to report the following reports : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX said that the bank system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. You have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. You assumed a VITAL role, and this is a violation of my privacy-I never gave authorization to report this ever to you directly. Delete this account immediately. An investigative report is suppose to be fair for the consumer and alsi is not suppose to include factual information on a consumers credit record obtained directly from a creditor of the consumer, delete this account from my consumer report. You might not want to be tied to this account, because I have put XXXX XXXX XXXX  on notice.

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 2023-08-17
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the last 3 months, I have been getting double withdrawals on my mortgage. It was reversed the first two times in 3 days after my calling and straightening out the auto-pay process with the bank. I called within three days this time as I did not get the reversal, and I don't understand why it is still happening. The bank is saying they can not start the process until 4 days after it is posted which would be XXXX. 

This is the 3rd time this bank has double-debited my account, and this feels like fraud to me. My bank account empties for days after the double debt, then it takes time to refund me. 

It is important to note that this bank does its paperwork by USPS Mail and not electronically. I did not receive their welcome letter when I started my mortgage a year ago and called at that time to work with their advisors - she did not mention auto pay or the welcome letter. In XXXX I opened a case, and they claimed in XXXX. 
I don't think anyone would be happy about having an additional {$3200.00} taken out on the 1st of every month unexpectedly. The bank is taking my money for 1 week every month- so they earn the interest, and I do not have the money in my account to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter in the mail that I have to go to court again on XX/XX/2022. I already went to court and their attorney offered a settlement of {$620.00}. I agree to make monthly payments of {$50.00} and started in XXXX. I told the attorney my first 2 payments would be at the end of the month and then I would send earlier he said it was fine as long as I started my payments and would not have to go back to court as long as payments were made. I called and the representative said that they did receive my 3 payments and could not tell me why I had another court date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
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: Was not notified of investigation status or results

Complaint:
I filed dispute # XXXX on XX/XX/XXXX with XXXX requesting the late payments reported by Dept of EducationXXXX which are currently reporting 15 late payments be removed whereas they are in violation of the Fair Credit Reporting Act Pursuant to 15 USC 1681a Definitions ; Rules of Construction ( 2 ) ( A ) ( i ) Exclusion and such experiences are to be excluded from consumer reports. Further that are past the states of limitation in NY which is 3 years. Likewise a closed Child Support Enforcement item is reporting late payments on a closed account in violation of the same citations stated supra. These action are being deliberately perpetuated due to exclusionary and predatory anti competitive actions of my business competitor XXXX XXXX XXXX in their plot to keep me from financing my newly established company XXXX XXXX. and is currently subject to XXXX XXXX number XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am currently in the financing and planning stages and negotiating with XXXX a non profit organization that provides Start ups with resources and SBA guaranteed financing. They refuse to move the items to ruin my ability to secure necessary financing. I requested validation of these item and a full description of all employees contacted and whom certified these items in accordance with FCRA section 611 ( a ) ( 7 ) after the initial 30 day investigation requesting reinvestigation which was to be completed within 15 days and I was to receive Notice of The Result pursuant to FCRA 611 ( a ) ( 6 ) however no results have been provided although I have requested them repeatedly by phone. These items must be removed from my account immediately in accordance with FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a notification today from Experian that my XXXX XXXX account ending in XXXX is delinquent, previously charge off even though monthly payments were made. This information is inaccurate as proof will indicate. 
As 15 U.S. Code 1681, Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting 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 reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 2023

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 2023-08-17
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2022-09-23
Company: DISCOVER BANK
State: CO
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:
I have contacted Discover about fraudulent purchases as my card was lost and used on a cross-country trip. It was used at multiple gas stations and other establishments in XXXX, XXXX, XXXX, XXXX, and even XXXX. I contacted Discover and informed them of these purchases, they did shut down my other card and issued me a new card. Now they are saying there were no fraudulent purchases, but I have never been cross country or even to Iowa, Wisconsin, MN, NE, Illinois, and other states. Someone used my card and unlike their commercials which say if you didn't make the purchases you would not have to pay, but yet here they sent me a letter stating there were no fraudulent purchases and that I am responsible for the other balance on the card, which they added and has increased my overall debt and reduced my credit score. They also changed my account information so I do not have the prior account information to even see what to list on here. I did explain there were some authorized purchases as I used it over XXXX and online since I had my card number. I explained how someone continued to access my account and change my number and address, along with my password, and username.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: BANKMOBILE TECHNOLOGIES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The bank, XXXX XXXX XXXX, and the access to the account through Bank XXXX Mobile stole the money out of my account and sent it to XXXX XXXX XXXX  regardless of me calling them, emailing them, and submitting forms to stop an ACH payment in the amount of {$1600.00} on XX/XX/XXXX. I called the bank immediately the next working business day and notified them of the problem. The stop payment forms were completed online and on XX/XX/XXXX Customer 's bank was informed by phone again that there was a problem with the ACH transaction. Customer 's bank refused to stop the transfer of money over to the XXXX XXXX XXXX, where I had been told I do not have an account, there is not credit card in my name for that amount, and that the account has been closed since XXXX of XXXX and that I do not have the right to ask for access to the account information. When calling XXXXXXXX XXXX XXXX again today, XX/XX/XXXX, the supervisor got on the phone and continued the call as a collection on behalf of XXXX XXXX XXXX. The supervisor from XXXX XXXX XXXX, bank vibe mobile a service for students from the network of colleges continued to collect on behalf of XXXX XXXX and in the interest of XXXX XXXX XXXX  and then used the phone call as a reason to abduct my child, XXXX XXXX who is currently being trafficked in XXXX, NY. Because I did not allow the money to be stolen or the credit card account which I am not allowed to access or know anything further about, that the child will be XXXX and XXXX  and will not be returned home to me at this time. The " customer service representatives '' who are assisting on behalf of XXXX XXXX XXXX  from the college network have stolen the {$1600.00} and refused to stop payment to the unknown 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 explanation