BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 teh investigation on these accounts on these accounts. I am never been late in this 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 non-monetary relief
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
It was announced that starting in XXXX, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports. Currently, I have ( 4 ) medical bills ( 2 Paid and 2 I'm Disputing ) each under {$500.00} ( amounts outlined below ). The three items marked as collections are critically harming my credit score. I have disputed these amounts with each bureau however they still remain as a roadblock. Can someone please assist me with this as I attempt to regain control of my score and rebuild after being heavily impacted by such reporting. 

XXXX. Date : XX/XX/XXXX, XXXX : {$480.00} XXXX. Date : XX/XX/XXXX, XXXX : {$2.00} ( Paid still showing on XXXX ) XXXX. Date : XX/XX/XXXX, XXXX : {$260.00} XXXX. Date : XX/XX/XXXX, XXXX : {$170.00} ( Paid still showing on all credit bureaus )

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 2023-02-11
Company: EQUIFAX, INC.
State: MI
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:
The consumer reporting company isn't following 15 USC section 1681a. in regards to all my accts my transaction and experiences are being reported. Which that is what the laws says so I want each and every acct to report excluding all transaction and experiences on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had a mortgage with Pennymac on a home I sold in XX/XX/2022. Apparently I had a {$750.00} credit and it's XXXX and I don't have my money? I'm owed the principal {$750.00} and 11 months of interest. How do I get it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Collection Management Holdings, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/XXXX, ' XXXX, ' misidentified me as an individual owner of a debt, and misattributed me as the responsible party. I have requested the creditor 's information, including but not limited to, the original contract identifying me as the owner of this debt and my, physical 'wet signature, ' on said contract ; the corporate entity name, address, and phone number, but they have been unable or unwilling to supply me the requested information in the 30 days, as required by law. The creditor has also failed to furnish the payment history on this account, if any, with a detailed line item breakdown of the debt they claim is owed by me. Additionally, the owner of this purported debt has not responded to my request for proof of ownership made on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: JPMORGAN CHASE & CO.
State: PR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have two accounts at CHASE, I have been living in XXXX XXXX since 2015, and do not travel often to mainland United States. However I keep these two accounts where I have saved my money. 
As there are no branches of CHASE in XXXX XXXX the only way I have access to my accounts is through their website. However both my accounts are dormant and I can not access my accounts, but even worse, now, when I access their website it tells me that I do not hold accounts at CHASE, which is not true. 
I have written emails, and called their service line and the customer service representative told me that my accounts are not active and that i have to fax a letter requesting the activation of both my accounts, which I did back on XX/XX/XXXX of this year. 
However both my accounts continue to be inactive. 
I had a relative that lives in XXXX XXXX, Florida, to visit one of the CHASE branches and try and deposit some money to see if that would activate the accounts, but they refused because the accounts are inactive. 
I called customer service again on XX/XX/XXXX, and they told me that the accounts are inactive and that it will take several weeks to activate. 
This is not acceptable, i need to access my funds immediately, not when the bank decides that i can. 
I have {$900.00} in my checking account and {$39000.00} in my savings account. That is almost XXXX XXXX dollars and they substract money every month for service charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: TN
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 XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these accounts were erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: CBC Companies, Inc.
State: CA
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'm making this complaint to INNOVIS. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest credit system reported i owe XXXX. Spoke with req. XXXX. 3 weeks ago ask to send me copy of bill showing I owe XXXX dollars. I never owed XXXX dollars to XXXX. Never had a bill over XXXX. Retuned all equipment. Ask bill collector to remove negative info off my credit report. Have not recd copy of bill or hasnt been removed off my report. Showing up as a new collection. Havent had XXXX since XXXX 
Spoke with rep 2nd week in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Opportunity Financial, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This company charges upwards of 160 % interest and I believe it is a scam since the most they can charge is 21 % up to 74 % capped in Indiana per state law. I can not get into my account now and have attached a copy of what their loan papers look like and the interest rates they are currently charging against Indiana State Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I'm unable to cancel my account with this company.

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 2023-07-10
Company: Experian Information Solutions 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:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-10
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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My name is XXXX XXXX- I have been trying to do a better job at monitoring my report. I have requested that all 3 Experian, XXXX, and XXXX remove any negative reports that have been on my report for 7 years or more which Seven years is the length of time that many negative items can be listed on your credit report, as defined by the Fair Credit Reporting Act. I need this to be resolved so I can move forward in a positive direction.

Also - The significant difference in my FICO score some offering credit score only use certain agencies to make a judgment on how one appears according to their credit. I do my best to monitor each day the changes to my credit. My XXXX shows me at XXXX my XXXX is XXXX and my Experian score is XXXX However, when I look at my FICO score under additional scores for Experian- it shows a XXXX in regard to purchasing a home which is my ultimate goal. It also says ( As of XX/XX/2020 ) so this hasn't updated in 2 years? 
I also follow my FICO score with my Bank and they are showing my FICO score at XXXX. 

For those of us like myself who are doing what we can to rebuild our credit I am seeing that updates are not being made properly which leads to denial for First time home buyer Loans and Just ends up being a negative hit to my report yet it clearly says last update was 2 years ago? How is this fair to any consumer who is doing their best to have a better life? The problem needs to be resolved so those actually trying have a real chance. 

Please update my information and resolve these issues. 

Thank you 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 2023-07-24
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
UNABLE TO RUN CREDIT REPORT BY SELF OR BY AUTHORIZED BANK PAID OR FREE. 
INDICATES NO DATA AVAILBALE, ESCALATED MULTIPLE TIMES, GIVEN XXXX XXXX XXXX  : XXXX SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: AmeriHome Mortgage Company, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was approved for a three month COVID19 Forbearance for the months of XXXX, XXXX and XXXX of XXXX. In XXXX, I was going through my mortgage online account when I noticed there was an alert for a document. I clicked on it and saw it was a letter offering me a deferral to help bring me current after my forbearance, however I never received this letter in the mail or via email. I then called approx XX/XX/XXXX to accept the deferral and to make my XXXX payment since I indicated my COVID19 hardship was over and I could resume payments. I specified to the rep, according to my approval letter my payments are now {$1800.00} so that is the amount I would like to make. He then proceeded to take a payment over the phone. On XX/XX/XXXX I called since I realized my loan was still not current. A representative indicated the rep I had originally talked too approx XX/XX/XXXX did not submit the request therefore my deferral was not completed. I was then put on hold for over 20 minutes and the rep never came back and then hung up on me. I then called back and got another rep who stated they had to start all over with my account and would send my account over for review. I indicated to her I had made my XXXX payment and was ready to make my XXXX. After I hung up with her, I went to check my mail and the XXXX payment I made on my account was sent back to me in a form of an escrow overage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-01-20
Company: EQUIFAX, INC.
State: MI
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 Report act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX  Partial Acct # XXXX XXXX XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX Partial Acct # XXXX XXXX XXXXy Partial Acct # XXXX XXXX XXXX XXXX  Partial Acct # XXXX Partial Acct # 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 an 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 conviction of crimes which antedates the report by more than 7 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 inacc
urate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2019, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX account to Bank of America at the instructions of the scammers.

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 2023-07-10
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX 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 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 2023-02-09
Company: EQUIFAX, INC.
State: TX
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:
Equifax continues to violate 15 U.S. Code 1681b and 15 USC 1681a ( 1 )

Company response to consumer: Closed with explanation