BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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. Here are the ITEMS that needs to be removed in my file : XXXXXXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX ; XXXXXXXX XXXX XXXX XXXX, GAXXXX  ; XXXX XXXX XXXX XXXX XXXXXXXX GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXXXXXX XXXX  XXXX Balance : {$15000.00} ; XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX Filed/Reported : XX/XX/XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XX/XX/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 2022-09-27
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
To whom it may concern, I am a married XXXX XXXX XXXX and my bank that holds joint account with my husband allowed a bank garnishment ( or levy ) against our marital account without a joint judgement : Judgement is in my husbands name for a small business. This occurred on XX/XX/22 for {$17000.00}. 


The levy was applied without a PA order. From various attorneys I learned that PA specifically requires any collection action against it's citizens first be transferred to PA and served 30 days prior to garnishment Huntington Bank will not reverse the garnishment and release the funds from my paycheck. 

They will not provide a copy of the order. Please HELP!! 

I can't pay our bills with XXXX small children in the home. This is negatively affecting my credit and my ability to pay my own obligations. Ive also been hit with a plethora of returned check fees because of my money ( not my husbands ) that the bank took. 

My understanding is that Marital property is strictly off limits and the bank acted improperly by allowing such a garnishment without a joint judgement and now refuses to even help us understand why. The laws seem clear so I dont know why the bank isnt agreeing to follow them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Upgrade, 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: Account status incorrect

Complaint:
In XXXXXXXX XXXX XXXX I experienced identity theft and fraud on my bank account which froze my account for a time period. No transaction could take place. I alerted the credit bureaus and many creditors. Upgrade reported my XXXX payment as 30 days late when I had actually paid and had recurring payments. I spoke to several associates in XX/XX/2021 and was assured by management that the credit reporting would be corrected and removed to reflect current due to the extenuating circumstances. Still to this day my credit report has not been corrected and I have been given the run around from multiple contact attempts. This negating in accurate credit reporting has caused significant damage to my score and ability to acquire credit. All I simply requested was a correction to my credit as I have never made a late payment and I was promised and told the correction would take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Complaint and demand for a copy of proof of payment for my property taxes in XXXX XXXX 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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 am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$6300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX : {$580.00} NCB ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$15000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$180.00} XXXX XXXX XXXX Balance : {$110.00}

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 2022-12-09
Company: EQUIFAX, INC.
State: NY
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:
I owed {$8100.00} on my XXXX bank credit card which I paid off to zero balance. As a result of this payment, Equifax dropped my credit score by 40 points. When this account originally reported with this high balance, my score had dropped. So paying it off should increase my score. Try speaking with a representative who had no idea as why my score dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I am a XXXX XXXX XXXX, I have an account with Merrill for company share awards. On the XXXX I sold some shares hoping to transfer the proceeds to my XXXX bank accounts. I use a company calle XXXX that gives me the ability to receive ACH and Wire account transfers in the XXXX. Merrill refuse to allow me to transfer via ACH and they charge {$7.00} for wire transfers ( I also have to pay for recieving the wire transfers. ) I contend that this is anti-competitive to arbaterally restrict the use of ACH transfers so that they can collect fees for wire transfers.

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 2022-08-01
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$350.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: MD
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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Experian about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$350.00}

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 2022-08-01
Company: Experian Information Solutions Inc.
State: NV
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 # 1. account name XXXX XXXX account number XXXX date opened XX/XX/XXXX {$600.00} balance Account XXXX XXXX DPT Treasury Account number XXXX {$440.00} balance Account number # 3 XXXX Account number XXXX date opened XX/XX/XXXX balance XXXX has ALL violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Delete Late payments from XXXX from XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, 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 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 602 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 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 2022-08-23
Company: EQUIFAX, INC.
State: CT
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:
Reporting a balance on multiple charge off/ closed accounts which is a violation of 15 U.S. Code 168e ( b ) and 15 U.S. Code 1681i ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back in early XXXX, I accidentally paid my taxes to the county, when, in fact, the mortgage company had already paid the taxes due. I have been trying to get a refund over {$3700.00} since XXXX XXXX XXXX  I have a letter from the mortgage company stating that they are awaiting the county to reimburse the overpayment. dated XXXX XXXX XXXX Speaking with the county, the county claims they sent it back electronically to Chase on XXXX XXXX However, Chase claims they never received it and Im caught between catch XXXX. I need help resolve the situation. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: PA
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, 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 an 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 2022-08-01
Company: Experian Information Solutions Inc.
State: MD
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:
This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to EXPEL any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$75.00}

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 2022-08-23
Company: RFNA, LP
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Republic Finance- terrible collection practices after being served XXXX called work ph, I asked them NOT to call me at work XXXX called work, again asked them NOT to call- threatened garnishment I returned call at lunch from my cell and set up a payment arrangement for XX/XX/2022 XXXX served with legal paperwork stating my debt had been turned over to collections XXXX called work I hung up on them XXXX called work again left message with co-worker ( regarding my delinquent debt ) XXXX Left voicemail stating " PAY UP '' XXXX called work I asked if they had my cell phone they said yes, but, didn't care they would continue to call my work. 
XXXX called work stating I had missed my payment and I could avoid garnishment by paying. I informed them I had been served and asked if I made a payment with them how would it affect the court proceedings. I was told " you won't be garnished so just pay ''. I informed her that I was under the impression once I was served I needed to deal directly with the collection law firm. She stated " I don't know XXXX and they will enjoy garnishing me ''. 
XXXX Called work I again asked them NOT to call me at work XXXX called work again, I again asked if they had my cell number, she stated she had both and was attempting to collect a debt and would call whatever number she wanted. 
XXXX Contacted debt collection atty and was advised NOT to make a payment to them directly and that they should NOT be calling my work after I had repeatedly asked them NOT to. They would contact corporate and see if they could get the ph calls to stop. They are aware I have signed a voluntary payment arrangement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX {$940.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2022-06-09
Company: AmeriHome Mortgage Company, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I attempted to setup Auto Pay, it has yet to start working. In XXXX we had a family emergency and my daughter spent a couple days in the hospital, I was not monitoring my mortgage for our lake home and auto pay did not process we received a late notice by mail, this was the first contact I had about a late payment for the month of XXXX. I called and confirmed and made two payments as a sign of good faith to attempt to correct this issue. Amerihome submitted a 30 day late notice to mine and my wife 's credit history. I have attempted to correct the issue with both auto pay and the hit to my credit. I feel this was not an error on my part has I have a letter stating my account was setup with auto pay, to this day when I login to my amerihome account it states auto pay is enabled. This is the only negative mark on my credit and I feel this is in error and I should not have to suffer with a delinquency mark for the next seven years because auto pay did not work as intended.

Company response to consumer: Closed with explanation