BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-30
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY Thank you for your help in 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 explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 FCRA requirements 15 U.S.C 1681 section 602A states I have the right to privacy. XXXX, XXXX and XXXX did not preform a proper investigation with XXXX XXXX XXXX account XXXX. The term investigation consumer report means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends or with whom he is acquitted or whom may have knowledge concerning any such item of information. XXXX, XXXX and XXXX did not do this. XXXX, XXXX and XXXX states that the information has be verified. How is this possible when the information continue to report inaccurate and inconsistent for all three credit bureaus. This is grounds for deletion or removal of this inaccurate late notice. XXXX, XXXX and XXXX has violated my federally protected consumer rights. 15 U.S.C 1681 section 602a states I have the right to privacy. 15 U.S.C 1681 604a section 2 states a consumer reporting agency can not furnish my account or personal information without my written instructions. I did not give XXXX, XXXX or XXXX written instructions or permission to furnish this inaccurate late notice for 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 2020-04-17
Company: Thaxton Investment Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company has been inaccurately reporting my status. Ever since XX/XX/2018 I hired XXXX XXXX XXXX as my power of attorney to help me settle my XXXX XXXX. I will be attaching all the documentation. They were constantly being contacted by the law firm to try and settle but they kept refusing. However finally recently when Covington credit used a XXXX party collection agency, I was finally able to settle my debt with Covington credit for {$390.00} paid in full mid XXXX. 

This company knew that my lawyer has been trying to settle with them. I understand that I was behind in my payments but to indicate my account as charge off when they knew I was under contract with XXXX XXXX XXXX seems very unethical. Plus, I was to make no contact with them individually per my lawyers request. 

I have attached as much documentation as I could. I should not be penalized for the lengthy and grueling process of the back and forth of settlement offers between my lawyer and Covington Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a joined checking and savings account with my husband at Citibank. We have had that account since XXXX. We receive our salaries and manage all our finances from that account. Recently, we moved from XXXX  to XXXX, we updated our address with Citibank. But since we have moved to XXXX  we have realized that Citibank does not have any physical branch in Texas and due to that we have been finding it very difficult to make payments or withdraw money or collect cashiers check. We called Citibank yesterday XX/XX/XXXX and told them that we are going to close our account and move our money to XXXX bank that has branches here in Texas. We opened a XXXX checking account and through our Citibank portal we initiated a wire transfer to our XXXX account of {$30000.00}. Because of this, Citibank has decided to retaliate against us and put a complete hold on our checking and savings account, block it where we don't have any access to our money, /salary. We are totally frustrated and stranded as of now. We are in the middle of a house remodeling project and have several contractors we need to pay, but we are not able to pay them as we promised them and this this issue is putting our life at risk because some of these contractors are now angry with us, threatening, thinking that we don ; t want to pay them inentionally. We called Citibank serveral times but they told us there is nothing they can do, that we have to wait for a week because our account is now under investigation. We are asking CFPB to use your good office to come into this case and investigate as the government bureau that regulates banks to make sure that no one vilates or is above the law/ Constituation of the United Sates, because we feel that as citizens our constitutional right has been violated/breached.

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 2022-09-21
Company: EQUIFAX, INC.
State: MN
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:
A collection of {$90.00} showed up on my credit report on XX/XX/XXXX for an unpaid XXXX XXXX bill in XX/XX/XXXX. I quit claim deed and was no longer the owner of the property in XX/XX/XXXX. Apparently the tenant of the property did not pay their electric bill in XX/XX/XXXX and XXXX XXXX filed the collection against me and sent to collections through XXXX. XXXX XXXX XXXX. I filed a dispute with XXXX, XXXX and Equifax. Both XXXX and XXXX confirmed I was not the owner and deleted the collection from my credit report. Equifax has not deleted this collection from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The disputes that I have are as fallow : XXXX. XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$290.00} XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$400.00} XXXX. XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$400.00} XXXX. XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$420.00} XXXX. XX/XX/2022 XXXX XXXX XXXX {$7.00} XXXX. XX/XX/XXXX XXXX XXXX XXXX {$17.00} XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$88.00} XXXX {$1600.00} XX/XX/XXXX - XXXX  that was I discovered this fraudulent charges I reported them and cancelled my debit card, I decide to send this to you because I did not received a positive answer front the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: ENCORE CAPITAL GROUP INC.
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:
In an attempt to collect $ XXXX.This company is violating my rights under the no surprise act of 2022. They are also violating my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I received my coupon from Nationstar Mortgage for XXXX payment and saw it had increased by {$830.00}. When I called them to inquire why, they said my 10 year adjustable rate interest only note had set to principle and interest and amortized over 20 years to be paid in full. I asked why I was n't notified sooner and was told I was sent a letter in XXXX. Since I had never received it, ( my mortgage was transferred to them from XXXX in XXXX ) they just sent me a copy ( received today ). I 'm blindsided! Had I seen it earlier I would have applied for a Harp loan to make this payment more affordable. I did apply and was turned down because of the 30 day late notice from my second trust holder, XXXX, placed on my credit report this month! 
When I got these loans back in XXXX XXXX, my husband had just died 6 months earlier, and my son was going off to college. I am the original owner of this home since XXXX and I would never had placed a 1st trust mortgage with a 2nd trust equity line ( needed because my son was going to college ) with a 10 year knife hanging over my head knowing both mortgages would set at the same time and increase my payments combined by {$1800.00} a month without doing something about it before it happened. Now I stand to lose my house because I just learned today when I applied for a Harp loan that the second trust holder, XXXX put a 30 day late payment on my credit because my payment went up with them as well and my automatic payment to them was insufficient. Now I am told with the 30 day late ( my first ) I can not apply for a Harp loan. I am going to be forced out of a house I have lived in over 30 years into housing that will be more expensive at the age of XXXX! Why? 
I 'm asking for these lenders to work with me and not force me out of my home. If I 've made my payments on time, every time, except for this month with XXXX over lack of communication, why ca n't I get approved for a fixed rate harp loan, amortized over 30 years while interest rates are low? While I tried several times, I was told I ca n't qualify for a regular refinance because my ratios are too high! XXXX says they wo n't even send me a statement until I pay what is owed fully. What they report as delinquent is not the amount owed. I am shaking my head. How can something like this happen? Is it the intention of the banking industry to put people out on the street with these predatory lending practices and dangerous loans? I got a loan I could afford when I needed it most and never realized it could jump almost {$2000.00} in one month for the next 20 years, especially without due notice. As soon as I found out I called the lenders and asked for help, having it fall on deaf ears and my credit destroyed. Can you help?

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: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my [ ... ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: EQUIFAX, 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: 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 n 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX 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 2022-06-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX  ACCOUNT BELOW HAVE VIOLATED MY RIGHTS. 

XXXXXXXX XXXX XXXX REPORTED ON XX/XX/XXXX {$140.00} XXXX XXXX REPORTED ON XX/XX/XXXX {$100.00} XXXX XXXX XXXX  REPORTED ON XXXX XXXX, XXXX {$930.00} XXXX  XXXX XXXX REPORTED ON XXXX XXXX, XXXX {$210.00} XXXX XXXX REPORTED ON XXXX. XXXX, XXXX {$1300.00} 15 U.S.C 1681 SECTION 6O2 A. STATES I HAVE THE PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Experian once again has ignored all previous complaint matters. Per my last complaint about having no access to my online account ; I followed the instructions and faxed and mailed all documents the company requested. They have not responded but rather have sent back finally after about 3 or 4  months a dispute investigation I filed. I feel they are purposely denying me access to my account as the same as they are purposely putting the wrong address on the mail they send me so they can claim it was sent or lost. I am attaching a photo of the address the mailed the latest investigation report to me in which they have changed my address completely never have I put in my complaint or mail to them an apartment number in XXXX at the address provided. They have refused to restore my online account to experian. I sent them ALL documents and proof of verification they requested but in response they send a report from an investigation dispute filed months ago ....

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 2022-06-30
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:
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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
address XXXX XXXX XXXX XXXX  ny XXXX is not a correct address for me, i have never lived at that adress.

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: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX 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 non-monetary relief