BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-22
Company: DISCOVER BANK
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 have these accounts that are not mine and i want them to be remove from the 3 credit reporting agencies. 

XXXX  1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  CARD Account Number : XXXX This is not mine. 

4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 


XXXX  1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  CARD Account Number : XXXX This is not mine. 

4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  CARD Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  CARD Account Number : XXXX This is not mine. 

4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  CARD Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
- My mortgage was transferred from XXXXXXXX XXXX XXXX to Sun trust around XXXX XXXX. 
- I signed up for online account access around XXXX XXXX as well as setting up for automatic payments through the Sun trust Website. I received email confirming this. see attachment - I received a letter Dated XXXX XXXX stating that my auto payment will be processed starting XXXX XXXX on the 1st of each month. - See attachment. 
- on XXXX XXXX i received email from Suntrust specifying that the payment was received, see statement. 
- on XXXX XXXX my bank ( XXXX ) showed a transaction showing an ACH withdrawal to Suntrust for my XXXX payment - see attachment. 
- on XXXX XXXX my mortgage statement showed that the payment was processed on XXXX XXXX. - see attached statement. 
- I stopped payment on check # XXXX from BIll Pay on XX/XX/XXXX from XXXX to XXXX XXXXXXXX XXXX for XXXX payment since this payment was not needed at XXXX. This check is ADDITIONAL to the ACH withdrawal that has cleared since XXXX XXXX - showing on my account on XXXX XXXX. 
- XX/XX/XXXX I received an email from Suntrust that my account is delinquent and i have been assessed a {$55.00} late fee- see attached email. 
- XX/XX/XXXX I have spent over XXXX hours on the phone trying to resolve this situation both with Suntrust and XXXX. XXXX confirmed that my payment via ACH withdrawal has been posted since XXXX XXXX and they have GUARANTEED that a stop payment on a specific check does not affect a previous ACH withdrawal. 
- I have reached a stopping point with no more progress after speaking with 6 representatives at Suntrust that can not fix the issue. I have spent about 3.5 hours just on the phone ( records available upon request ) - I am 10 days from my perfect credit being affected by the negligence of Suntrust.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

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 2021-09-27
Company: Dovenmuehle Mortgage, Inc.
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had a returned check payment. Due to this my mortgage company made me mail in a certified bank check for 6 months. On month 6 I sent my certified check in as i have the 5 months prior. On XX/XX/2021 I realized that my payment sent via check was not reflecting on my account. I immediately contacted my mortgage company to report this. The woman on the phone and her supervisor both stated to me over the phone that they could see my check processed. I was also informed that it takes " 1-3 business days to reflect in my account. '' I voiced my concerns about multiple reports in my credit file due to their mistakes such as late payment and unfair trade. I was assured that this would not happen. 
On XX/XX/XXXX i went online and paid my XXXX payment via their website without issue. 
The following days i noted that Dovemmuel, my mortgage company, attempted to take a 2nd payment for the month on XXXX causing insufficient fund fees x2 from my bank for a payment that was not authorized.

I again called Dovenmuel mortgage to discuss this. I was told i could not speak to anyone and had to fax my information including my bank statement via fax which i did even though i felt it was unsafe to send my personal info over fax. 
Beginning of XXXX i received notification from my bank that the check i sent for my mortgage payment was returned to the institution because they could " not find an account associated '' with the payment. 
I again called the mortgage company and they continue to be unhelpful and take zero responsibility for this.

My credit score has dropped 64 points due to their false reporting. I have occurred over {$500.00} in late fees, property inspection fees in which my property was never inspected, overdraft fees from my bank along with stress and anxiety. I did my due diligence and Dovenmule continues to be unresponsive and is destroying me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
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 have these accounts that are not mine and i want them to be remove from the 3 credit reporting agencies. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft JPMCB  CARD Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 


XXXX  1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft JPMCB  CARD Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft JPMCB  CARD Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2021-09-27
Company: V and H Portfolio
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureau is reporting inaccurate information on VANCEHUFFMAN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Web site is inaccurate. Does not reflect principal payments once a payment has been made. I've talked with Support on the phone at least 3 times to correct the problem. 

On the web site it only shows the interest paid, but neglects to show the principal. 

For example, I make a payment of {$300.00} a month. About {$35.00} is interest, but the remaining {$260.00} does not show as payment to the principal. This has been occurring for at least 4 months since Discover Student loans took it over. Had no problems when it was managed by XXXX XXXX. 

I am very concerned that I am not getting my correct balance allocated towards my principal because of this ongoing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Sent 2 rounds of my FTC report and the accounts still there and have not been fully validated.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2019-11-21
Company: Convergent Resources, Inc.
State: MS
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:
Convergent XXXX XXXX refused to stop publishing inaccurate information in my credit file to all 3 credit bureaus as well as honor my request have the accounts deleted from my file.

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 2020-02-22
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: Personal information incorrect

Complaint:
Violation of the FCRA of accuracy in reporting by XXXX XXXX, XXXX XXXX XXXX and 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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 submitting again my complain regarding this matter. The unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( XX/XX/2023 ) 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.These are the accounts : XXXX XXXX XXXX XXXX Balance Owed : {$440.00} -Please check the Payment History and Status information on this account and adjust accordingly ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Can you please run an investigation because the company is unheard of, the balance is unknown and the number is off? Please remove this collection from my credit report ; - ; XXXX XXXX Balance Owed : {$460.00} ; ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$610.00} - Please check the Payment History and Status information on this account and adjust accordingly.

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 2022-12-29
Company: FAIR COLLECTIONS & OUTSOURCING, 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:
Fair collections and outsourcing is trying to collect a debt for XXXX, in which they are not licensed in Florida to collect a debt. Pursuant to Florida law ( Fla. XXXX XXXX XXXX debt collectors and out of state law firms must register with the Florida office of Financial Regulation as a Consumer Collection agency before engaging in collection activity in the state of Florida. the debt that Fair Collection and outsourcing is claiming that I owe is a debt in Florida, and this is a violation of both state and federal law. Please remove this debt from my credit report and cease and desist in any collection activity and please provide documentation indicating that you were licensed in the state of Florida to engage in collection activity as the last time this company was licensed to engage in collections was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to the real system Regulatory enforcement and licensing this company was not authorized to engage in collection activity at the time this was placed on my credit profile. and even bfore these dates the company was only authorized during the following dates please remove this immediately and cease and desist all credit collection activity. Name : XXXX XXXX XXXX XXXX XXXX XXXX : FAIR COLLECTIONS 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 2022-05-03
Company: Experian Information Solutions Inc.
State: NC
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:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: TX
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:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

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 2023-06-10
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX The accounts in question are as follows : Account name : XXXX XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX, Account # XXXX Account name : XXXX, Account # XXXX -- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the accounts listed IMMEDIATELY! 
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 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XXXX, XXXX XXXX XXXX in XXXX, MI reported to XXXX that I was deceased instead of my Mother, XXXX XXXX ; the former joint lendee who passed on XXXX. Due to the XXXX  XXXX of XXXX holiday, I notified XXXX XXXX XXXX on XXXX or XXXX and have provided her death certificate ( please see Exhibit A in the attachments ) multiple times from 2016 to most recently on XXXX. 

Now, Mr. XXXX XXXX, Acct Mgr in the Loan Dept says I need to provide a NOTARIZED copy of the previously submitted documentation. Please note this has been submitted previously several times to XXXX XXXX XXXX, the NCUA, the Consumer Finance Protection, XXXX, XXXX, TransUnion, XXXX and the MI Attorney General 's Office.

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