BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-12
Company: JPMORGAN CHASE & CO.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
When recently signing paperwork to open a checking account at Chase Bank, three separate banking staff members assured us, when we expressed concern at the need for a credit check, that the credit check would only be a " soft '' one and not impact our credit. 

However, upon reading the documents I signed, Chase was requiring that I permit a full credit check and/or employment check, at their discretion. 

I am wondering if there is any recourse when verbal assurances are contradicted in the printed governing document, for consumers who are not savy enough to check fine print to confirm what we 've been told, repeatedly? 

Chase should not allow their staff to assure that these checks are " soft '' pulls of an applicant 's credit. To me, this approaches a predatory practice, with deceitful verbal assurances. 

Thanks for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I am disputing how XXXX XXXX XXXX has changed how they report my mortgage balance to all ( XXXX ) credit bureaus. Prior to and during my XXXX  ACT forbearance, they would report ONLY my interest-bearing principal balance to the credit bureaus. I had a loan modification befoXXXX XXXX XXXX XXXX purchased my mortgage ( which I had no say in ) that included a deferred payment at the end of the modified loan. Since coming out of forbearance in XX/XX/2022, XXXXXXXX XXXX XXXX suddenly decided to lump this deferred payment into the entire mortgage balance which is incorrect. They had been servicing my mortgage for at least XXXX years before making this sudden change. 

I feel they made this change only in retaliation for them not being able to foreclose on my home. I was in forbearance for over a year because XXXX XXXX XXXX gave me no options to come out of the forbearance like most customers normally could. It was after XXXX, pleading and XXXX them for MONTHS on end did a nice customer representative take XXXX  on me, escalated my situation and got the powers that be to agree to let me resume my monthly mortgage payments. The forbearance amount was then XXXX into the interest-bearing principal balance. 

Since that time, now all of a sudden my mortgage balance increased from approx. {$XXXX} to a new mortgage balance of {$XXXX} on my credit report. This drastic increase has caused my credit score to drop XXXX points w/ Transunion XXXX XXXX and a whopping XXXX points w/ XXXX. I was never advised up front about how they changed reporting my balance and am therefore requesting them to change their reporting back to how it had originally been done for YEARS. 

This is again, a detriment to me and completely unfair as the consumer who never asked or requested XXXXXXXX XXXX XXXX  service my mortgage loan in the XXXX place. I feel I have been victimized again by this entity after going through so much to come out of forbearance only to have my credit ruined anyways which SHOULD NOT HAVE HAPPENED per what was outlined in the XXXX ACT. My credit has been impacted as a direct result of their changed procedures which only occurred after coming out of my XXXX ACT forbearance. 

The reported balance to all ( XXXX ) credit bureaus for this account should be {$XXXX} which Im enclosing here. Im also enclosing my most recent mortgage statement which also shows a slightly older balance of {$XXXX}. Lastly, I feel I am owed an explanation as to why this entity decided to suddenly change their reporting procedures with no advance notice after years of reporting it differently. Thank you for taking this complaint into consideration. 

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 2023-11-07
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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: Account information incorrect

Complaint:
I am disputing how XXXXXXXX XXXX XXXXXXXX has changed how they report my mortgage balance to all ( XXXX ) credit bureaus. Prior to and during my XXXX ACT forbearance, they would report ONLY my interest-bearing principal balance to the credit bureaus. I had a loan modification before XXXX XXXX XXXX purchased my mortgage ( which I had no say in ) that included a deferred payment at the end of the modified loan. Since coming out of forbearance in XX/XX/2022, XXXXXXXX XXXX XXXXXXXX XXXX decided to lump this deferred payment into the entire mortgage balance which is incorrect. They had been servicing my mortgage for at least XXXX  years before making this sudden change. 

I feel they made this change only in retaliation for them not being able to foreclose on my home. I was in forbearance for over a year because XXXX XXXX XXXX  gave me no options to come out of the forbearance like most customers normally could. It was after XXXX, pleading and XXXX  them for MONTHS on end did a nice customer representative take pity on me, escalated my situation and got the powers that be to agree to let me resume my monthly mortgage payments. The forbearance amount was then XXXX  into the interest-bearing principal balance. 

Since that time, now all of a sudden my mortgage balance increased from approx. {$XXXX} to a new mortgage balance of {$XXXX} on my credit report. This drastic increase has caused my credit score to drop XXXX points w/ XXXX XXXX XXXX and a whopping XXXX points w/ Equifax. I was never advised up front about how they changed reporting my balance and am therefore requesting them to change their reporting back to how it had originally been done for YEARS. 

This is again, a detriment to me and completely unfair as the consumer who never asked or requested XXXX XXXX XXXX XXXX my mortgage loan in the XXXX place. I feel I have been victimized again by this entity after going through so much to come out of forbearance only to have my credit ruined anyways which SHOULD NOT HAVE HAPPENED per what was outlined in the XXXX ACT. My credit has been impacted as a direct result of their changed procedures which only occurred after coming out of my XXXX  ACT forbearance. 

The reported balance to all ( XXXX ) credit bureaus for this account should be {$XXXX} which Im enclosing here. Im also enclosing my most recent mortgage statement which also shows a slightly older balance of {$XXXX}. Lastly, I feel I am owed an explanation as to why this entity decided to suddenly change their reporting procedures with no advance notice after years of reporting it differently. Thank you for taking this complaint into consideration. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX Balance Owed : {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Velocity Portfolio Group
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CKS Prime Investments has been advised that I am a victim of Identity Theft and continues to report an account to my credit reports for XXXX, XXXX, and XXXX  although advised as such and requested removal and cease and desist. I am a victim of identity theft and I have removed fraud listings from credit reporting as it prevents me from accessing my own credit file. I have had my information compromised as a result of being involved in multiple data breaches including but not limited to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have reached out to both Tranunion and XXXX XXXX XXXX. I have requested an original invoice regarding collection account " XXXX XXXX XXXX XXXX' for {$190.00} that surfaced on my credit report. This information has already been removed by XXXX XXXX XXXX. Transunion continues to report it as a collection account. This account does NOT belong to me. I have already explained this to both XXXX XXXX XXXX  & Transunion. No validation of the debt has been provided nor original invoice or any information at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I disputed this account information as being inaccurate, incomplete, and invalidated and each of the credit reporting agencies responded by stating they were able to verify or validate this debt. Tell me how is that possible if there is an automated system judging my disputes within seconds? No investigation was made, Under the laws of the FCRA, I have contacted the creditor myself, and they have provided proof stating that the accounts were not accurate at all as well as they were reporting incorrect information to the credit reporting agencies.. The original creditor or the Credit reporting agencies have still not corrected all the errors with this account. I have copies of my requests to the creditor, asking them to validate the debt with contracts. 

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In XXXX, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: WELLS FARGO & COMPANY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to lodge a complaint with respect to Wells Fargo Bank. I sent them letters to validate this account and they continue to return with generic letters. There are two accounts on my credit report from this creditor XXXX.. 
This is the account on my credit file that is the charged off account. 

By definition, the IRS clearly states that a cancelled debt or charge is income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says that Wells Fargo is a furnisher of information to a consumer reporting agency.

It is against the law for the Wells Fargo to provide inaccurate information.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter 1.

The above paragraph is taken directly from the IRS 2021 publication.

Wells Fargo Bank refuses to send me the form. I am demanding you to have them delete this incorrect information and/or furnish this 1099-C form.

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 2022-02-24
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am writing due to non-compliance with Equifax, XXXX XXXX XXXX. They have failed to remove information that was affiliated with personal details that were challenged most recently. They are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: GA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DPT EDXXXX XXXX Balance : {$28000.00} DEPT OF ED / XXXX XXXX Balance : {$28000.00} DEPT OF ED/XXXX  XXXX Balance : {$28000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
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:
I FOUND ACCOUNTS ON MY CREDIT REPORT THAT DID NOT BELONG TO ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. with accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

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