BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-25
Company: Universal Recovery Corporation
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
UNIVERSAL RECOVERY CORPO Opened XXXX {$800.00} UNIVERSAL RECOVERY CORPO Opened XXXX {$2000.00} I believe XXXX credit reporting has duplicated these items. The first account belongs to XXXX XXXXXXXX XXXX and the second to XXXX XXXX XXXX tax attorneys. 

-I never received the validation or the initial call or email, possibly, due to moving although a forwarding address was filed with USPS . I do not believe the reporting agency Universal followed procedure. -My credit reports shows 3 derogatories preventing me from securing housing. There are only the 2 accounts and they are related to tax issues with the IRS. This has been confused by XXXX  credit reporting. 
-The agency continues to thrash the account to make the two derogatories appear to be new which they are not. 
-I disputed both and this does not show. 
XXXX XXXX in court told the judge that both were XXXX   firms which they are not to make me look like someone who dodged debts. You can see from my report that I do not. 
XXXX XXXX XXXX XXXX XXXX XXXX chose collection as a punitive move although the attorney representing me left the firm and I was not notified. The firm pulled the POA with the IRS without notifying me as well. 

Both account were disputed multiple times and payments were made to the second account. We had a brief attempt at arbitration. I do not have the money for arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XX/XX/XXXX I have been in deferment with Department of Education they have two accounts with balancing showing {$4400.00} and {$1200.00} showing past due when I had deferments on them both. One of my credit report show that I was only late one time with TransUnion for the {$4400.00} and the second on for {$1200.00}. XXXX and XXXX has me showing 6 late payments with this company. I have been in deferment and spoke to them about the hardship due to the pandemic and they stated that I wouldn't be affected on my credit.

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 2022-09-30
Company: EQUIFAX, INC.
State: AZ
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX. XXXX, XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
This dismissal was to be removed. XXXX and XXXX removed this XXXX item.Experian should have this removed but it is still showing on my credit.

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 2022-09-30
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX illegally sold to I.Q. Data International INC. our XXXX rental related debt during the month of XX/XX/2021, which goes against the AB832 law. I.Q. Data International INC. has no legal obligations to pursue the XXXX related debt in collections per the XXXX California State law. The debt XXXX XXXX deemed XXXX XXXX, XXXX XXXX, and XXXX XXXX owed has been paid by the XXXX XXXX program in the form of a overpayment from the original amount owed of {$3100.00}, by paying a total of {$3100.00} on XX/XX/2021 directly to XXXX XXXX, within the legal timeframe under the XXXX state law, that also included a payment of {$37.00} to the illegal interest I.Q. Data International INC. pursued to collect. 

Though XXXX XXXX management is aware that this debt was paid in full directly to them, they have refrained from notifying I.Q. Data International that this debt is to be disputed because it was paid in full. I have contacted I.Q. Data International since XX/XX/2021, by phone explaining to their representatives that the debt the were collecting is illegal, because it is XXXX related debt, and each time they stated they were awaiting a response from XXXX XXXX to confirm this debt, and to confirm the amount stating we owed was paid to XXXX XXXX in full by the state of California. I have reasons to believe that XXXX XXXX  did not respond to I.Q. Data International in truth, which is why they are continuing to pursue this debt, though we are sending them proof in writing that the debt they have continue to collect is illegal. 

The debt paid by the XXXX XXXX rental assistance program, to XXXX XXXX, included illegal fees. There was never a vaulted ceiling fee in our lease at any time we signed, or resigned our lease. XXXX  also charged us for false damages such as painting the unit, and unit upgrade fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: JPMORGAN CHASE & CO.
State: MD
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:
JPMorgan has hacked my computer therefore I had to use my tablet. My last complaint was going, to my last but this bank has decided to go hard ball so here we go. The person who changes the automachine when one calls their customer service number has mental problems and tells lies everyday, but I have learned tape the machine. I thought my apartment s we're not getting paid back in XX/XX/2018 so I called them and they said that they were paid in full-time This is when I knew that JPMorgan bank was corrupt. 
I sent {$3000.00} at first and then had my personal bank though a dispute take it back when I found Chase JP Morgan bank to be corrupt. Today the machine states I owe them the $ XXXX back. 
All lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I believe the credit score provided in a background check for housing on XX/XX/22 was incorrect. there is roughly a 30 point difference between the score reported via the background check and the score provided by Equifax. I called the consumer line XX/XX/22 and was told they dont do background screenings through Equifax XXXX When I asked to speak to a supervisor I was placed on hold for over 45 minutes and then hung up on. I would just like my credit score investigated and updated or an explanation and breakdown of why the scores are so different and what the different calculations are. Attached is the background check with my credit score and a screenshot of my credit score provided by Equifax for that same time period

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, 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:
Dear identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXX Opened XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent inquiries and were not authorized on my credit consumer report with Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
EQUIFAX failed to follow the verification process for administering EXTENSIONS OF CREDIT under [ 15 U.S.C. 1681c-1 ] 605A Identity theft prevention ; fraud alerts for Extension of Credit in complete disregard to the consumers protected account. 

EQUIFAX was already made aware of the provisions and procedural guidelines made for [ 15 U.S.C. 1681c-1 ] 605A fraud and identity theft prevention by the consumer as noted on the consumers account and profile for the past several years, in addition to the fraud alerts placed on the consumers account, and the multiple requests made by consumer to EQUIFAX for fair practice and governance of the consumers report and information. 

EQUIFAX has willfully chosen to disregard ethics or fair practice to this regard, and has supplied and upheld false, misleading, fraudulent, and impartial information against the guidelines set forth by the [ 15 U.S.C.1681 ( c ) ] Fair Credit Reporting Act for fair practice and reporting under false pretenses for lender XXXX XXXXXXXX XXXX 

EQUIFAX has subjected the consumer to a false, inaccurate, and untrue reporting and reflection of the consumers identity in relation to the consumers account and credibility in the process. 

Multiple requests have been made by the consumer to EQUIFAX to adjudicate these errors, in response to these requests, EQUIFAX has continued to ignore and impose unreasonable point deductions made by each request for fair practice resulting in unreasonable 102point deduction on XX/XX/2022, and as previously 160 points deduction over the course of XXXX weeks DESPITE THE VERY CLEAN 21 YEAR AGE, RECORD AND PAYMENT AND HISTORY OF THE CONSUMER. 

Equifax continues to ignored all relevant requests and supporting information thereby supporting and further establishing PREDATORY LENDING PRACTICES AND BEHAVIORS by lender EQUIFAX in support of lender XXXX XXXX aggressive and unethical lender practices aforementioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Paypal Holdings, Inc
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had my unemployment deposited to my PayPal account. That was XX/XX/2021. They have since not let me withdrawal it and at first told me to wait 180 days. Its way over 180 days and Im still waiting and they told me to wait till I receive an email anytime between now and 20 years from now. I have over XXXX in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: U.S. BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Received a promotion to open a checking account with a {$500.00} bonus after completing the following activities : Deposit {$5000.00} within 30 days Make 5 transactions within 90 days Enroll in online banking Opened with promotional code and enrolled in online banking. Performed the following activities : XX/XX/22 - opening deposit of {$100.00} XX/XX/22 - {$5000.00} new money deposit XX/XX/XXXX XXXX XXXX XXXX  XX/XX/22 - XXXX XXXX XX/XX/22 - XXXX XXXX XX/XX/22 - XXXX XXXX Account is in good standing and no promotion bonus as of XX/XX/22. Can provide more information if needed. Thank you

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 2022-10-24
Company: Fidelity National Information Services, Inc. (FNIS)
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: Was not notified of investigation status or results

Complaint:
I need the negative information off of my Chex systems for the information is inaccurate and false

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 2022-04-25
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had already made a full payment of US {$180.00} ( both by cash and refund ) before the due date ( XXXX ) to cover my statement ( XX/XX/2022 ) balance of US {$180.00}. But on the due date, XXXX XXXX, the XXXX XXXX XXXX was still using their autopay system withdrawing money from my closed bank account to pay the future unbilled balance amount of US {$69.00} XXXX which the payment due on XXXX. I was incurred the Return Payment Fee of US {$29.00} on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: TX
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 XXXX Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
1. XXXX & XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 7 mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX  Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX  Original creditor XXXX Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual 3. XXXX XXXX BANK Last reported XX/XX/XXXX {$25000.00} Reported balance Credit limit {$23000.00} You're using 109 % of your account 's limit OVERVIEW Credit limit {$23000.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 3 yrs, 2 mos ) 4. XXXX XXXX XXXX Last reported XX/XX/XXXX {$5800.00} Reported balance Credit limit {$5000.00} You're using 117 % of your account 's limit OVERVIEW Credit limit {$5000.00} Minimum monthly payment {$170.00} Opened XX/XX/XXXX ( 3 yrs, 1 mos ) 5. XXXX Last reported XX/XX/XXXX {$1100.00} Reported balance Credit limit {$1000.00} You're using 118 % of your account 's limit OVERVIEW Credit limit {$1000.00} Minimum monthly payment {$74.00} Opened XX/XX/XXXX ( 3 yrs, 2 mos ) 6. XXXX XXXX Last reported XX/XX/XXXX {$13000.00} Reported balance Highest balance {$15000.00} You've paid off 12 % of this loan OVERVIEW Highest balance {$15000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 1 yrs, 8 mos ) Term 60 months ( 5 years ) Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated.

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 2022-12-26
Company: Creditors Bureau Associates
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received an update to my credit report stating that I owe {$740.00} to XXXX XXXX XXXX as of XX/XX/2022. This is incorrect. According to the FCRA it is illegal to re-age a collection. I was unaware that this collection would be updated because I was not sent a notice, nor have I contacted them about this collection in over a year. I would like for this debt to be changed back to its original date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On my credit score it shows I have went down in score due to having stuff in collections, I called the company that shows I owe money to and they told me I do not have any balances remaining.

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 2022-10-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
( DISPUTE CODE XXXX ) ( DISPUTE CODE XXXX ) My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 2022-10-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
( DISPUTE CODE XXXX ) ( DISPUTE CODE XXXX ) My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We previously filed a complaint with the CFPB regarding our mortgage lender NewRez. Though we still feel the issue is unresolved and are pursuing further action, we have a new issue that is unique and requires separate follow up. 

The issue, in short, is that we were unnecessarily charged return payment fees and late fees, which NewRez has refused to review. NewRez charged us for return payment fees due to " no account '' after we attempted to pay our mortgage by phone on XX/XX/22 and again on XX/XX/22 when the first payment didn't post to our account. I dictated the account number correctly by phone but it was entered incorrectly by a NewRez agent. NewRez has refused to review the call as requested based on the response attached. It took another 2 attempts to pay the mortgage because on XX/XX/22, NewRez informed me that their system errored out when I attempted to pay and they could not process the payment. I was finally able to pay by phone on XX/XX/22 and the payment was withdrawn. I was then charged {$270.00} in return and late fees due to an error made by NewRez dating back to XX/XX/22. I spoke with a NewRez customer service representative on XX/XX/22 who informed me that I could not get these fees reviewed or removed through her. She instructed me to go online and submit a complaint through the NewRez website. On XX/XX/22, I did just that. However, NewRez responded that this issue ( see attached ) has already been reviewed and a new investigation would not be conducted. That is untrue. This is a separate issue and requires NewRez to do their due diligence and investigate as requested by their customer who using the appropriate channels.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation