BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage permits me to make advance principal payments with no fees. Each month, I pay extra toward the principal. This should ultimately reduce the amount of interest I pay, since my outstanding mortgage balance is being reduced significantly each month. The payments were all documented in written emails to the bank. There is no dispute about the amount of payments, the date of payments, or the purpose of payments. They accepted the payments, but instead of crediting them toward principal, they treated them as advance payments of my regular " principal plus interest '' payments. When I discovered this, the outstanding balance on my mortgage was wrong by more than {$11000.00}! The bank acknowledged the error but said their system would not allow them to correct it. I fought with them for many weeks, but they insisted it was too bad for me because their system could not be corrected. Ultimately they agreed to fix it, but they made some sort of error still and my balance is still incorrect, though by a XXXX XXXXXXXX XXXX  instead of {$11000.00}. They are refusing to right the error. I have escalated this as far as I can and still have not had the balance corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24
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 the the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX  XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 602 A States I have the right to privacy.

15 USC 1681 604 A Section 2 also states that 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 2022-06-24
Company: GOLDMAN SACHS BANK USA
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2022 I decided to apply for a loan with Marcus by Goldman Sachs after receiving several prior mail advertisements. I spoke with a representative on XX/XX/2022 due to company needing more information in which I provided. I was then informed that I will receive a call within 1 to 2 days if more information is needed or to inform me of the decision made by company after review process. However, I never received a call, so I placed a call on XX/XX/2022 in which I was told the application was still under review and to allow more time. I then placed the follow up call on XX/XX/2022 in which I was told that my application had been denied and to wait on denial letter in the mail. I received denial letter in the mail on XX/XX/2022 that was dated XX/XX/2022. To my surprise, the reason for denial was annotated as " Unable to verify identification information '' which I feel to be unacceptable due to never receiving a call to ask for any additional information as discussed on XX/XX/2022 or to obtain any information regarding my identity. From my prior experience as a loan processor and banker dealing with the loan process, understanding my credit situation, and knowing that I am who I am, I can't understand why this would be the reason for a denial. I called Marcus by Goldman Sachs on XX/XX/2022 to inquire about such determination in which I was told by two representatives that they can't tell my why this was the reason selected, and I was advised to call Goldman Sachs directly. On XX/XX/2022, I called Goldman Sachs who listened but transferred me to a supervisor with Goldman Sachs who only could say that the reason for the denial could be due to information on my credit report being different from my application. I informed her that could not be the case as I check my credit report daily and everything is up to date, and then she apologize for not knowing the exact reason for the denial and went on to tell me to just apply again in 30 days. She also stated that no reconsideration could be done since the application had been closed already even though I informed her that I never received a call back as promise in the first place within the 1 or 2 days on XX/XX/2022. After attempting to resolve this with the company with no attempt of correcting the situation, I decided to file this compliant as I feel that this falls under unfair lending practices and could be a bias decision based off of XXXX discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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:
Im accordance with the Fair Credit Reporting Act, XXXX account number # 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 states that a consumer reporting agency can not furnish my account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im accordance with the Fair Credit Reporting Act, XXXX account number # 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 states that a consumer reporting agency can not furnish my 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 2022-06-24
Company: Southern Management Systems Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Hello, my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 


Fraudulent Collection Accounts : Southern Management Syst. 
Account Number : XXXX Collection Opened : XX/XX/2021 Balance : {$7300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I received at the beginning of the year a copy of my consumer report, I noticed that all of my personal information was incorrect I sent out a personal letter to update my information on XX/XX/2022 Certified mail with return slip, Credit reporting bureaus received my letters on XX/XX/2022 & XX/XX/2022. I then started my account with XXXX XXXX  to keep up with my consumer report on XX/XX/2022 I received a copy of my consumer report personal information was still incorrect. On XX/XX/2022 I received a copy of my consumer report personal information was still incorrect. 
Now this month I look at my consumer report and it is still incorrect XX/XX/2022 ACCORDING TO 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave Responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Which they violated Certified mail # Equifax : XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: M&T BANK CORPORATION
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:
My credit report shows a 30 days late payment for my M & T Bank mortgage in XX/XX/2021. I made my payment on XX/XX/2021. I was NOT 30 days late. M & T has refused to remove the mark from my credit report stating that they report a month behind. This is not OK. I was not 30 days late making my XX/XX/2021 payment, and my credit report should not say that I was. I attempted to dispute this reporting with all 3 major credit bureaus and was informed that even though I provided the statement showing that I was not 30 days late, they do not actually have an internal team that does investigations. They simply forward it to the company and use the company 's response to the dispute. So since it is the practice of M & T Bank to report a month behind, I have a mark on my credit reports showing that I was 30 days late making my payment for XX/XX/2021 and I was not. This is affecting my ability to get a new mortgage.

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 2022-09-19
Company: EQUIFAX, 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:
Upon recently checking my credit report, I have discovered XXXX XXXX obtained a copy of my report without my authorization or consent. Further, they are reporting that I am " over limit " on my account, which is innacurate. They have been reporting since XX/XX/2022. This company is a scam and have had their business license revoked in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have recently found out I have been a victim of identity theft and someone used my information to open a couple of lines of credit with credit grantors without me knowing. I don't know how the thief got ahold of my personal information but i am certain I have not opened these nor has someone authorized by me to one accounts. The following accounts are below. 
XXXX Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
Company: EQUIFAX, 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:
Monday, XX/XX/XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX  Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

Account Name : XXXX  Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, XXXX  late payments. So why are you reporting it incorrectly? 

Inaccurate late payments like this are not only embarrassing, but they are preventing me from obtaining credit that I'm trying to apply for. I've already been in talks with some experts who have informed me that there are laws to ensure that credit bureaus only report accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditor 's part or both. 

I take this very seriously and I'm not going to stop contacting you until you remove this wrong information. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. If it isn't done fast, I'm going to have to research what legal options are available to me against both you and the creditor. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2022-09-19
Company: EQUIFAX, 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 status incorrect

Complaint:
In accordance with The Fair Credit Reporting Act XXXX  account at 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 XXXXXXXX total XXXX has violated my rights. 15 u.s.c 1681 section 602A states I have the right to privacy. 15 u.s.c 1681 section 604A section 2 it also States a consumer reporting agency can not furnish a account without my written instructions I did not give no one on my credit report running instructions to put it on there

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Compattia Roccia Management Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/22 I received a pre-recorded message to my cellular telephone from ( XXXX ) XXXX. The voicemail message did not identify the company, any person or provide a callback number but only said " Please press one now to speak with a live representative. '' The caller ID displayed the telephone number and " Debt Collector '' I called the number displayed and the recording said CRMG and asked if I was calling about correspondence received from them. When I said no, it asked for me to spell my last name and give my date of birth. Upon providing these, the recording then stated my first name and that my balance was {$5900.00}. It did not state that they were debt collectors, that they were attempting collect a debt or that any information obtained would be used for that purpose. No information was provided about the nature of the alleged debt, the alleged creditor or any other information. The recording then asked if I wanted to pay. When I said no, I was not able to connect to an agent but was returned to the beginning process of the automated attendant. If I said yes, a recording gave only the option to pay by credit card and required a {$4.00} convenience fee but offered no other payment options. I checked online and located CRMG , LLC ( " Compattia Roccia Management Group , LLC ) at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX and called the telephone number on the web site ( XXXX ) XXXX and got the same recording. I have not received any written correspondence from these debt collectors. They have violated several provisions of the FDCPA and TCPA.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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 status incorrect

Complaint:
In accordance with The Fair Credit Reporting Act XXXX  account at XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX has violated my rights. 15 u.s.c 1681 section 602A states I have the right to privacy. 15 u.s.c 1681 section 604A section 2 it also States a consumer reporting agency can not furnish a account without my written instructions I did not give no one on my credit report running instructions to put it on there

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
Company: World Acceptance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XXXX XXXX 2022 I applied for a loan with world finance in XXXX Texas, I was approved for XXXX With 13 monthly payments of XXXX, First payment due XX/XX/XXXX. The first payment was made, I contacted world finance to get a payoff amount and was provided a figure of XXXX. I asked Why the amount increased I was informed that the ttl payoff amount would be XXXX. But since I made one payment the payoff amount is XXXX, but since I'm paying off early the amount is XXXX as interest is accused daily on the payoff amount and not the amount I received. 

This doesn't seem right. How can you charge interest on an amount that I didn't receive

Company response to consumer: Closed with explanation