BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2019-12-19
Company: Merchants' Credit Guide Company
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX believes that there are medical collections posted on my credit bureaus where my rights under the agreement established with all credit bureaus was violated. This agreement states as follows : A medical collection can not be posted by any affiliated bureau agency until a 180-day notice has been submitted to the consumer. 
This rule was an agreement established to see if insurance would pick up the cost or if the cost could be factored and negotiated between the parties. 
At no time was XXXX XXXX given this 180-day notice and the postings of all medical debts by the subscribed collection agency is a violation of my rights agreed upon by the bureaus with the Consumer Financial Protection Bureau in 2015, as well as my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This agency is in violation in its subscriber agreement with each pertinent credit reporting agency, and all references to any collection process must be deleted permanently on all bureaus. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
DISPUTE WITH MERCHANTS CREDIT GUIDE I XXXX XXXX believes that there are medical collections posted on my credit bureaus where my rights under the agreement established with all credit bureaus was violated. This agreement states as follows : A medical collection can not be posted by any affiliated bureau agency until a 180-day notice has been submitted to the consumer. 
This rule was an agreement established to see if insurance would pick up the cost or if the cost could be factored and negotiated between the parties. 
At no time was XXXX XXXX given this 180-day notice and the postings of all medical debts by the subscribed collection agency is a violation of my rights agreed upon by the bureaus with the Consumer Financial Protection Bureau in 2015, as well as my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This agency is in violation in its subscriber agreement with each pertinent credit reporting agency, and all references to any collection process must be deleted permanently on all bureaus. 
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 2017-10-20
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech has continually been trying to switch me to a escrow account when I have always been non-escrow and I pay my hazard insurance and property taxes seperately. In addition to me paying my own property taxes and hazard insurance Ditech has been sending duplicate payments to both and charging my account for them. Currently my account shows that I owe {$4300.00} in escrow when its a non-escrow account! Furthermore it is ruining my credit rating. After many phone conversations with Ditech they mislead me into thinking that they resolved the situation but the situation remains. For the second time in XXXX months they have again paid off my hazard insurance and tell me that I owe them this money when I already paid my hazard insurance - the same for the property taxes. I work full time and find myself contacting them almost every day which is putting my job in jeapardy.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2020 I tried to access my online account with SIMPLE, BBVA Bank which requires a text message verification. Unfortunately, what I did not know at the time is that XXXX  ( my phone service provider ) was having technical issues with text message delivery. I attempted several times to log into my account and was " locked '' out of my account. 

There was is NO back-up method offered to access the account. the only option was text message and without access to that service, there was NO other way to try to access the account. Then as I was LOCKED out of the account, I completely lost access to over {$3000.00} in deposits in my checking and savings accounts. I called the company and there is no after hour service, technical help, or way to verify to regain access. 

On XX/XX/XXXX, I called the bank to get access to my account. They VERIFIED that I am in fact the customer and then told me that THERE IS NO WAY TO ACCESS THE ACCOUNT. The representative said he thought it was " XXXX '' but that there is nothing he can do to give me access to the account until some " automated system '' in some other bank, releases the account LOCK. 

I can not access my own money because of a ridiculous technical lock that was obviously programmed by the bank without considering the consumer. There needs to be SOMETHING that protects the consumer from losing access to the account in the event they can not use text messaging for whatever reason. A text message should NEVER be the ONLY way to access an account at an FDIC insured financial institution. 

If you can not receive a text message, this bank holds your money RANSOM and then blames it on an illogical SECURITY measure that PREVENTS consumers from accessing their own money. 

I should have been provided IMMEDIATE access to my OWN account the second that they verified that I was the account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This is NOT my debt and i check all XXXX of my credit reports every year and online several times a month also, and yet, i have not received communication from this creditor XXXX or XXXX for {$500.00}, by phone, by mail or on any of my credit reports EVER, but now it has showed up on my credit report on XXXX XXXX, XXXX, when i checked my reports online. I know my ex husband XXXX XXXX had a XXXX cellular account in XXXX and this was on his Credit Report, which he told me about it in XXXX so how & why is it " all of a sudden '' showing up on my credit report, when it has never belonged to me. Who did this & what can be done to Quickly remove it from my report??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19
Company: Merchants' Credit Guide Company
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
DISPUTE WITH MERCHANTS CREDIT GUIDE I XXXX XXXX believes that there are medical collections posted on my credit bureaus where my rights under the agreement established with all credit bureaus was violated. This agreement states as follows : A medical collection can not be posted by any affiliated bureau agency until a 180-day notice has been submitted to the consumer. 
This rule was an agreement established to see if insurance would pick up the cost or if the cost could be factored and negotiated between the parties. 
At no time was XXXX XXXX given this 180-day notice and the postings of all medical debts by the subscribed collection agency is a violation of my rights agreed upon by the bureaus with the Consumer Financial Protection Bureau in XX/XX/2015, as well as my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This agency is in violation in its subscriber agreement with each pertinent credit reporting agency, and all references to any collection process must be deleted permanently on all bureaus. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Harris & Harris, Ltd.
State: MO
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:
Yesterday XX/XX/XXXX ..I discovered that their was a new debt collection on my credit it said that it opened XX/XX/XXXX & it went to collection XX/XX/XXXX..so I contacted this creditor & after being transferred to multiple  departments & giving different numbers to call, no one could find any information that I owed anything! Because I do not ..this is fraudulent & I want it removed immediately! They could not give me any information, they said they didn't have any to give so I asked why is this showing as a collection XX/XX/XXXX? So they directed me to their fraud department. I want to get to the bottom of this & resolve!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: JPMORGAN CHASE & CO.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Today on XX/XX/2022 I opened a letter with the date XX/XX/2022 from JP Morgan Chase claiming a follow up to a XXXX credit card application with XXXX. They asked me to call XXXX and because I recently applied for one I called and followed the directions which included my SSN. I did it and now concerned I accidentally fell for a scam. Please help protect me from identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX

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 2017-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX keeps adding balances and subtracting balances from my accounts. this is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and i was not able to be notified i was out of forbearance. I respectively ask that the lates from XXXX be removed and set to current. As soon as i contacted XXXX my loans were put back in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as XXXX is doing illegal collecting and reporting practices.

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 2020-06-16
Company: MEI AUTO FINANCE 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 information incorrect

Complaint:
The company XXXX sold me a frame damage vehicle that was illegal. The vehicle was deemed unsafe to drive. XXXX has made several mistakes on the account. This company have several complaints and should be investigated by FBI. This vehicle was not on credit due to several mistakes made by the company. They were reporting back in XXXX that the payments were XXXX when the payments were XXXX. Once advise of the frame damage it was backward and forward lies told by the company. I have had no dealing with this company since XXXX and I have credit reports showing they were removed because that was the agreement. I have credit reports showing no reports from XXXX in over 3 and 1/2 years this has not been on my credit. When it was on there in XXXX it was not being updated with the payment history. Now in XXXX of XXXX they reported that I did a voluntary surrender in XXXX of XXXX that is false and inaccurate. Also on the credit report it only shows an open date no payment history nor further information. They didn't have permission to access my credit in XX/XX/XXXX nor did I turn in a vehicle in XXXX. I have received no notices from this company at all. They are reporting false information and I want it removed from my credit report. I would like proof from XXXX showing that they have been reporting on my credit since XXXX. I have my credit report and I know they have not but I would like to see false documents they will come up with so I can take them to court.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've contacted Experian several times regarding the fradulent accounts they refuse to remove from my file. I've sent supporting documentation as well as the other credit bureas have also corresponded to them as well advising these accounts were indeed removed due to fraud and they refuse to remove it. I even called regarding an authoroze user account that I have no clue about and they wouldn't even assist me with that. I't like they have my account blacklisted to some degree even when I pay my credit cards they refuse to fix these problems. I feel like this is some form of discrimination and this needs to end. There is no way that my utilization changes and there are no updates to my file. I've attempted to contact Experian several times each time they spoke to me as if I'm a liar as if they haven't received supporting documentation as well as the other bureas have contacted them as well. I've mailed in doucments which I know they have received because they were sent certified

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 2016-05-24
Company: JPMORGAN CHASE & CO.
State: MS
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2016 I made a transaction with XXXX XXXX XXXX for XXXX cents, they charged me the XXXX cents and {$19.00} on my Debit card. I immediately contacted by bank Chase and reported the fraud. I also contacted XXXX XXXX and they reversed the charge. On XXXX XXXX Chase debit me the {$19.00} and then credit it back on XXXX XXXX stating they received the reverse charge from XXXX XXXX XXXX. On XXXX XXXX Chase re-debit the {$19.00} from my account, they said it was for review. This put my account in the negative by - {$4.00} and then I had a debit of {$12.00} which put my account in the negative to - {$16.00}. Then on XXXX XXXX they charged me {$34.00} for Insufficient Funds. I contacted Chase and they reversed the {$34.00} but has yet to return the {$19.00}. They say we assure you we have not taken your {$19.00}, but yet my account is still short the {$19.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-18
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Today after reading terms and conditions and description for which criteria is used to determine eligibility for the Citi Simplicity Card I was immediately declined and an inquiry popped up on my XXXX report account when the website clearly says they use XXXX, which is why I thought I had better odds in applying. They also didnt allow me opportunity to share balance transfer requests as advertised. I suggest they reconsider my application using XXXX as they stated in writing on website and/or remove XXXX inquiry from my report. Thank you in advance, respectfully.

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 2016-01-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Credit Reporting Agency fails to removed inaccurate account from my credit report. 

There is an account with XXXX XXXX XXXX which began reporting on XX/XX/XXXX, and have been reporting ever since to day. The problem is I was in a no assest based Chapter XXXX bankruptcy that was discharged on XX/XX/XXXX. This debt is from XX/XX/XXXX, and the Credit Reporting agency refuses to delete. 

This debt ca n't be assigned to XXXX XXXX system on XX/XX/XXXX if all debts were discharged on XX/XX/XXXX. Thus XXXX XXXX XXXX has no collection authority on a discharged debt nor can they be assigned an already discharged debt. 

I have disputed with both the credit reporting agency, and XXXX and they are refusing to delete.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXXXXXX

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