BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-13
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I received this regarding there help. I filled all the paper work they required they even had woman come to my house for signature to begin the process. They have a connection to Global Client Solutions who was to make monthly withdrawal from my checking every month I was told they charge a small monthly fee, the law office was to take small monthly fee. They took a fee but far from small. I was told that I could access my account at any time I was finally able to access my account in XXXX and was shock at how money the law firm had taken and nothing had been done. I contacted them any revoke there permission to make any further withdrawals and to returm all my money.. A refund of {$950.00} was issued XXXX and another refund for bank fees was issued for {$79.00}. They kept {$1600.00} and they and have ignored all my request. I offered to settle for {$1200.00} and they again ignored my offer. I no longer will offer them a settlement offer I just want my total amount of money due me. I have emailed back and forth with XXXX XXXX and spoke on the phone once. XXXX XXXX XXXX, states that he is Non Lawyer but he is Practice Administrator and Director, XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Upon checking I did that he has worked for many debt settlement companies I tried everything to get my money back but XXXX has stead fast refused to give it back and has broken contact

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2019-06-11
Company: Experian Information Solutions Inc.
State: OH
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:
From XX/XX/2016 to present. I send Experian several letters in accordance with FCRA under Section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) under Section 611 ( 5 ) ( A ) to provide any original documentation with my signature as required.

Experian never provide such documents when investigating the matter when it alleging came back " verified ''. If it was reported correctly as they mention who verified it? 

METHODOFVERIFICATION accordingto FCRAsection611 ( a ) ( 7 ).

( a ) Thenameofthecreditor ( b ) Thepersonsname and title showing thattheyverifiedthedisputewith ( c ) Theaddress ( d ) Thetelephonenumberand ( XXXX ) Thedocumentationusedtoverifythedispute. 

If Experian reply it would show clearing that they did not provide no evidence to me thus in violation of FCRA. The overall risk to me and my credit rating could be damage greatly all because of Experian non-compliance. 

Anyone paying for experian services could fax, mail, or email in a fraudulent account. 
Since it still reporting on my credit report I'm sure that experian could easily provide it to CFPB. If not, look at the long-term damages its doing to me and potential lenders I would like to do business with, but unable to due to this error.

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 2021-05-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Chase Executive Office Claim ID XXXX Notice of Dispute I disagree with the outcome of the investigation. 
XX/XX/XXXX In the late XX/XX/XXXX Ive made a purchase from XXXX for an XXXX XXXX XXXX XXXX. After short evaluation at home, Ive came to the conclusion that the unit had defective battery it was either discharging quite fast either failed to fully charge ( up to 100 % ). 
On XX/XX/XXXX Ive requested a return for a refund from XXXX. Unit was shipped to XXXX via XXXX XXXX XXXX and delivered as of XX/XX/XXXX completely within XXXX Return policy. 
Please, consider supporting documents attached. 
Im kindly asking to continue the investigation and credit {$1500.00} back to XXXX XXXX account. 
Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: MD
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX BRIDLE PATH XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$3200.00} XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$700.00} XXXX  XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$530.00} XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$750.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2300.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$5000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$95.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$690.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 'S XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I requested on 2 different occasions that the late payments reporting to my consumer report, be deleted from my consumer report, or delete the accounts all together.

15 US CODE 1681e ( b ) - The Fair Credit Reporting states that Transactions, experiences, authorizations, and approval of credit aren't included in your consumer report. 15 US CODE 1681a -Definitions- Rules of construction-paragraph 2 -- Exclusions -Paragraph ( a ) & ( I ). Exclusions- Except as provided in paragraph 3. The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer, and the person making the report. This law states that transactions are not included in your consumer 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 2022-02-16
Company: Midstate Collection Solutions, Inc.
State: IL
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 the past XXXX XXXX 2021, I disputed this and the failed to sen me anything with my signature stating that i owe them any debt. still they insist on reporting false information defaming my name to credit bureaus. 

From : XXXX XXXX To : Midstate Collections Solutions XXXX Subject : NOTICE OF DISPUTE AND DEMAND FOR VERIFIED DOCUMENTATION FAIR DEBT COLLECTIONS PRACTICES ACT ( FDCPA ) FAIR CREDIT REPORTING ACT ( FCRA ) ACCOUNT NUMBER : XXXX ALLEGED DEBT : 730.00 To whom it may concern, This is XXXX XXXX writing in regards to the unpaid debt on the derogatory account listed above, which I intend to dispute and attempt to correct your records. By sending this letter I both dispute the validity of this alleged debt as well as the validity of claims against me. Please be aware and understand that any and all information that I receive from you will be used and collected as evidence should any further actions be necessary. Also be aware that non-compliance with my request could put your company in serious legal trouble. 
According to the FDCPA, I have the right to request validation of alleged debt or competent evidence that bares my signature that shows I have a contractual obligation to pay your company. 
I hereby DEMAND that your company provide me under penalty of perjury with the following verified documentation : 1. Both front and back of original alleged contract/ agreement/ promissory note in its entirety, including any application. 
If requested files cant be provided then your claim violates 15 U.S. code 1692 and U.S. code 1592 and I demand that the claim of alleged debt owed be removed from all credit bureaus in 30 days of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
This complaint is to the dispute the inaccuracy of a closed account with Capital One Auto Financing, account number XXXX. It shows that this account became a charge off when in fact this account was paid off on time. XXXX was the only bureau that had it correct as paid as agreed. As of today XXXX status has changed to paid charge off after being closed for 2 years. This is reflected on all 3 bureaus, XXXX, XXXX and XXXX XXXX which is affecting my score and credit worthiness. I had not missed a payment or ever been late and all of a sudden on the very last payment it shows I didn't pay on time. I have proof that this account was paid on time according to my bank statement. 
I ordered a transaction history report from Capital One Auto Financing that shows inaccuracies regarding their reporting to each of the bureaus. For example below are a just a couple of inaccuracies I discovered. 
In XX/XX/2015, XXXX Report shows ND for no data recorded. But when you look at the Capital One Transaction History Report, a payment was recorded XX/XX/2015. XXXX XXXX shows a payment for XX/XX/2015. XXXX  does not. XXXX   shows all payments recorded correctly. 
Next one in XX/XX/2015 XXXX XXXX Report shows NR ( not reported ). But when you look at the Capital One Transaction History Report a payment was recorded XX/XX/2015. XXXX  shows a payment for XX/XX/2015. XXXX XXXX does not. XXXX   shows all payments recorded correctly. These are just a few of the inaccuracies there are many more that follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Experian Information Solutions Inc.
State: AR
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 was trying to purchase my first home and I decided to go through a first time home owners program because I needed help with the process. They pulled my credit to see were I was standing with my score. As they reviewed my report they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2022-03-25
Company: Dovenmuehle Mortgage, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dovenmule sold my loan to rocket mortgage. After they sold the loan they did not properly close this account which led to me receiving a XXXX late. I contacted them over XXXX times and talked to supervisor everytime. First contact was on XX/XX/2021. Absolute worst customer service I ever dealt with. I have XXXX credit cards and XXXX houses and never had XXXX late payment. Dovenmule mortgage does recognize it is a mistake on their end and claimed they were working on it but they never meet their own deadline when it comes to keeping me updated in their emails with dates they promise to update me. To keep this story short Im very unhappy because I had to hold off my refinance because of their incapability of running a business and taking care of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Nelnet, Inc.
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 non-monetary relief
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: UT
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX 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 XXXXXXXX Experian Address : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Employer : 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 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 2023-09-04
Company: Experian Information Solutions Inc.
State: VA
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:
The following items continue to be reported on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 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 explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 account numbers : XXXX ...., XXXX .... 

XXXX .... 

has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX account number : XXXX .... 

Has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX account number : 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 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 2022-02-16
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wednesday, XX/XX/2022 Re : loan # XXXX Property address : XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX : Your research did not yield correct data. You will find in my response to your latest fabrication of the truth that your data shows you and PHL, LLC are misrepresenting the truth once again. 
You and Planet Home Lending , LLC continue to lie and misrepresent and consequently are willingly destroying the credit of the three mortgagees that are on the aforementioned loan held by Planet Home Lending , LLC. 
Correct your data ; send a letter of acknowledgement to me, XXXX and XXXX XXXX ; send a letter to CFPB acknowledging your lying, false reporting and knowingly harming your clients. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 contacted the 3 credit bureaus XXXX, XXXX, transunion multiple times over the past year by phone and mail and let them know that i wanted them to remove XXXX  negative accounts thats on my credit report they have violated my rights to privacy they had no permission to even report any information to the credit report and they also never sent me any verification or anything verifying the account 15USC 1681

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
They close my account and charged me, fees and XXXX of them. Let me use an ATM card no more.

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