BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX I received notice that my mortage was being transferred to Carrington Mortgage company On XXXX I received a letter that an escrow analysis had been completed and due to the projected taxes, our mortgage would increase by over {$600.00} a month. 
On XX/XX/XXXX XXXXI contacted Carrington and advised them that my taxes had not been increased and the analysis was wrong. I spoke to XXXX in the tax department, and she advised me to send them the letter from my tax assessor. I uploaded my tax document and was told it will take XXXX days to research. 
On XX/XX/XXXX - I called my municipal tax assessor to confirm that there was not a tax increase and she informed that there had not been and the amount I had for my taxes was correct. 
On XX/XX/XXXX - I called Carrington Mortgage to find out the status of the escrow analysis and spoke to XXXX who indicated they received my tax document with the correct taxes, and she would request a new escrow analysis, On XXXX I called Carrington Mortgage and spoke to XXXX and she said she could see the new request for the correct taxes and a new escrow analysis would take XXXX  days. 
On XXXX I received the exact same escrow analysis letter as the XXXX on XX/XX/XXXX and nothing was changed. 
On XXXX I called Carrington Mortgage and spoke with XXXX again and she was frustrated because the XXXX Department didn't look at her notes the first time with the correct quarterly taxes. I was assured again that it would be taken care of. The mortgage payment for XXXX was not sent because the mortgage payment amount was incorrect. I informed this company that I did not want to be charge a late fee and have my credit affected because of their error. Was told that they could waived the late once everything was corrected. 
On XX/XX/XXXX - I called Carrington Mortgage and spoke to XXXX and he said he saw the escrow request and it would be updated in the system no later than XX/XX/XXXX and I would have the correction in my account so I could pay the correct XXXX payment. 
On XXXX I checked my Carrington Mortgage account again there had not been correction. So, I called again and spoke to XXXX, and then XXXX in the XXXX Department that said they had made the changes to the taxes on their end, and she transferred me XXXX in customer service, and he transferred me to XXXX who said she will contact the XXXX Department and get back to me. 

This process has been extremely stressful and time consuming. I have never had this kind of problem with any escrow analysis on another house I own for over 30 years. This company has projected an outrageous tax increase without checking the facts and expected us to pay this significant increase in our mortgage payment. Carrington Mortgage has not done its due diligent and has not properly assess my taxes based off facts not projections. I find this to be an unfair practice and predatory and they should be investigated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: JPMORGAN CHASE & CO.
State: NY
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 purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that someone stole my identity and opened many accounts without my permission or authority, no police report or fraud affidavit is possible and no information or document is in my possession. XXXX XXXX, XXXX XXXX are not my accurate names : XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX These addresses are UNKNOWN to me. I never lived at these addresses : JPMCB CARD XXXX, JPMCB CARD XXXX, JPMCB CARD XXXX, JPMCB CARD XXXX Please block and remove these accounts from my credit report on my credit report which are UNKNOWN to me.One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX and XXXX ). I have never with these accounts, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of the Fair Credit Reporting Act, please.

A copy of my Utility Bill, Drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by XXXX not blocking these accounts is inadvertently resulting in me being extorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1661 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 2022-11-29
Company: Byrider Franchising, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had purchased my vehicle through JB Byrider XXXX XXXX i had my debit card on file with them at all times for my bi-weekly payment. XX/XX/2022 jdbyrider stated my card wasnt authorized but did not contact me to inform me of this. May paycheck was direct deposited so there shouldnt have been an issue. They repoed it on XX/XX/2022 while i was having it serviced. Never contacted me to inform me they repoed it for being a mere XXXX business days late which was their own fault for not processing. Illinois state law states account must be in default for a repo this wasnt even delinquent!! never gave me the option to pay it off either. Illegal repo take off my credit report before i sue!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, Capital One, XXXX and XXXX all showed up on my credit report as late payments and in collections. None of these accounts were opened by me. Capital One has 2 accounts for {$500.00} and {$1900.00}, XXXX has 2 accounts for {$900.00} and {$800.00}, XXXX has an account for {$500.00} and XXXX has an account for {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
An account was setup fraudulently online with Citibank for a Home Depot XXXX credit card using my stolen personal information. This was done while I was out of the country in early XXXX. I have had the account closed and its being investigated by Citibank but when I spoke to their security people today and asked how Citibank would open an account from an online application without speaking to me the security person reported that they once to call me at my home number but when they couldn't reach me the went ahead and opened the account without confirming with me. I asked if this is Citibank normal process and he said no but with the shortage of employees they apparently cut corners and opened the account. When I returned on XX/XX/12 and saw the credit card in my mail, I tried to call them that weekend, but their customer service center is not open on the weekends so on Saturday the XXXX I went to a XXXX  store and reported the fraud, and they closed the account. I called the Citibank CS number on Monday to confirm and filed a police report that day. I also froze my credit reports at all three credit agencies. I think Citibank was negligent and needs to be investigated by the regulators for lack of proper security to protect consumers information and disciplined for what they are doing.

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 2021-08-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. 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 Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$870.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$900.00} XXXX XXXX XXXX Bankruptcy XXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy XXXX XXXX : {$0.00} ; XXXX XXXX  Bankruptcy XXXX XXXX  : {$0.00} ; XXXX XXXX Bankruptcy XXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy XXXX XXXX XXXX {$0.00} ; 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 XXXX XXXX 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
Consumer complaint received 2022-08-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my 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 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
I accordance with the fair credit reporting act XXXX  account numbers XXXX, XXXX, XXXX, XXXX has violated my rights. 
15 U.S.C. Section 602 A. states I have the right to privacy.

15 U.S.C.1681 Section 604 A Section 21.It also states a consumer reporting agency can not furnish an account without my writen 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 2023-11-29
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of certain Inquiries on my Experian Credit Report Dear Experian XXXX XXXX, I am writing to formally dispute inquiries listed on my Experian credit report. Upon reviewing the report received on XXXX XXXX and Experian I have identified several inquiries that I believe to be inaccurate or unauthorized. 

Below, I have outlined the specific inquiries that I dispute along with the corresponding details : 1. Inquiry from XXXX  XXXX Dates : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  Reference Number : N/A 2. Inquiry from XXXX XXXX Date : XX/XX/2023 Reference Number : N/A 3. Inquiry from XXXX  XXXX XXXX XXXX XXXX  ) Date : XX/XX/2023 Reference Number : N/A I would like to emphasize that I have not provided consent for these companies to access my credit information or initiate these inquiries. Therefore, it is essential that these inaccurate or unauthorized inquiries are promptly removed from 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 explanation
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/2020 I received notifications from several credit monitoring services that my credit report had been accessed. Someone had tried to open a XXXX XXXX XXXX credit card through XXXX XXXX. I immediately called XXXX XXXX and let them know this was a fraudulent inquiry and I completed the steps they advised me of in order to have the fraudulent inquiry removed. When reviewing my credit report yesterday I noticed that the the hard inquiry was still reporting to my TransUnion report. I called XXXX XXXX again and I was advised by the lady that answered that there wasn't anything they could do, that I would have to dispute the account directly through the credit bureau. I advised that I had already informed XXXX XXXX the inquiry was fraudulent approximately 18 months previously and they were the ones who needed to fix the mistake.

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 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my 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 2023-11-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
on XX/XX/2023 I sent out a dispute letter to all three credit reporting agencies about several accounts on my credit report that have inaccuracies. They have been non Compliant to responding to my request. I ask promptly for them to remove the following accounts that is harming my credit report. They have not have not followed 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. please see attached proof of the following letter sent to the credit reporting agenices. 

XXXX. XXXX XXXXXXXX Account Number : XXXX Late payment status is reporting different amount of times to each reporting agency. 
XXXX. XXXXXXXX XXXX Account XXXX : XXXX Account is not reporting late payments to all credit reporting agencies. Please review and remove from my report for inaccurate reporting!. 
XXXX. XXXX Account Number : XXXX Account is reporting postitive standing and reporting negative standing please remove account for inaccurate reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: IN
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: Problem with personal statement of dispute

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
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 explanation
Consumer complaint received 2022-06-27
Company: CITIBANK, N.A.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is updated information with regard to Case # XXXX. Although you show this as closed, it is by no means not. I am continuously getting phone calls from their agents, which at times are very rude. Recently an agent told me " Ma'am I have a notification about you and your account. No calls regarding this account will be handled. Don't call back we will call you if any information is needed. Here is an XXXX number you're to call. Good day XXXX XXXX XXXX. '' This is supposedly Citi 's Recovery Dept, which I've called numerous times, only to get the proverbial run-around. 

Now I am receiving statements with totally different account numbers that I am not nor have been aware of namely their statements only show the last four digits, which are in no way connected to anything I am aware. How can Citi ask for positive or negative feedback when their statements allude to accounts I have never created nor have used? 

Harassments are now more provoking than me instigating dialogue with you. 

Thank you ever so much.

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 2022-06-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Experian lowered my score by XXXX points for no reason. the other two credit agencies have not done this and my scores still remain the same at over 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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
According to 15 usc 1666b ( a ) It states that : a creditor may not treat a payment on a credit card account under an open end consumer credit plan As late for any purpose. 

Also I was not notified 21 days before the due date.

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 2022-06-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards of items on my credit report it has been well over 30 days I havent received any investigation results.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

XXXX XXXX XXXX XXXX has violated my rights.

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

Resolution : Delete this/these accounts unless you want to be held accountable for {$1000.00} per 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 2022-07-28
Company: EQUIFAX, INC.
State: VA
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:
The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX XXXX Balance : {$2100.00} ; XXXX XXXX Balance : {$670.00} ; XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation