BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: Consumer Portfolio Services, Inc.
State: NC
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:
XXXX, XXXX, XXXX & XXXX XXXX fraudulently reported an inquiry on my credit report in violation of 15 USC 1681 ( a ) ( 4 ) and 1681b ( a ) ( 2 ). I have never given XXXX XXXX, XXXX, XXXX nor XXXX written permission to disclose any information contained in my consumer credit file. They have all blatantly violated the law and thereby have violated my rights as a consumer to be free from this type of financial, economic and mental abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
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:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

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 2023-02-11
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: Account status incorrect

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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$250.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX  XXXX XXXX XXXX XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX  XXXX XXXX XXXX XXXX 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Greetings credit reporting agencies, my name is XXXX XXXX XXXX, and I as a consumer, have observed that my information on my consumer report has been inaccurately and incorrectly furnished! Below are the creditors and companies that have violated my rights as a consumer for publishing my personal information without my written consent according to 15 U.S.C 1681 section 602 A and 15 U.S.C 1681 Section 604 A Section 2. Please take a moment to look at the accounts below that are being incorrectly furnished on my consumer report, and I as a consumer whose rights have been violated, I fully expect to see some positive changes to my report immediately thanks! 

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX # XXXX, has violated my rights. 

In a ccordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX # XXXX, has violated my rights. 

Now, below are the motives as to why these violations on my credit report NEED TO BE completely removed from my report! It is a violation of my consumer rights, and the information on there is being inaccurately reported, and I did not give any creditor nor any company WRITTEN CONSENT or PERMISSION to furnish any of the data above to my consumer report! The companies/creditors who are publishing my personal information to the consumer report is also a violation of my consumer rights, because I, as a consumer, have the right to privacy, and the creditors are clearly not respecting that! This is unacceptable and I would like action to be taken IMMEDIATELY in the works of fixing my consumer report! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-29
Company: Experian Information Solutions 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:
I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$970.00} .I have an extended fraud alert place on my file due to recent identity thief. This account does not belong to me. I have tried to fix the account with Experian with no luck.

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 2023-06-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was defrauded my a person using XXXX XXXX. My bank USAA denied the transaction disputes. Even though XXXX XXXX found fraud and promised to refund the money. XXXX claims that on XX/XX/2023 they sent the money back to my bank. However my bank claims not to see it. XXXX still asserts that they sent the transaction. I want USAA to refund me the money as XXXX XXXX  can not. the amount is {$6200.00}. Previous complaint about XXXX XXXX is XXXX. Details are attached to that. I want USAA to reverse or credit my account {$6200.00} as XXXX XXXX says they have and refuses to try another method or try again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was declined for credit due to a freeze I had placed on my credit last year. 
Using Experian 's website I attempted to remove the freeze in order for the creditor to access my credit history. For more than 10 days the website states : " We're experiencing technical difficulties and can not access your report at this time. 
Please try again later. 
XXXX Mon - Fri : XXXX - XXXX '' I have sent a letter to Experian asking them to contact me regarding this issue with no response. I'm sending a second letter today XX/XX//2020 requesting the same.

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 2023-06-26
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ON XXXX I RECEIVED A CALL FROM XXXX TO MY PHONE NUMBER XXXX. THEY ASKED TO SPEAK WITH SOMEONE ELSE. THE CALLER TOLD ME SHE WAS CALLING FROM XXXX  BUT WOULD NOT TELL ME THE COMPLETE NAME OF THE ENTITY CALLING ME. I ASKED IF SHE WAS USING AN ADTS TO CALL ME AND SHE HUNG UP ON ME. I CALLED THE NUMBER BACK AND A REPRESENTATIVE ANSWERED MY CALL AND IDENTIFIED THEMSELVES AS CREDIT COLLECTION SERVICES. I ASKED FOR THEIR ADDRESS AND SHE GAVE IT TO ME. I TOLD HER ABOUT THE PROBLEM I HAD WITH THE PREVIOUS CALLER AND ASKED TO SPEAK WITH SOMEONE IN THE COMPLIANCE DEPARTMENT BUT SHE ONLY TOLD ME TO GO ONLINE TO ADDRESS MY CONCERNS. I DISPUTE THIS DEBT AND DEMAND THEY CONDUCT AN INVESTIGATION OF MY DISPUTE AND SEND ME THE RESULTS OF THEIR INVESTIGATION.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital One Bank is reopening a charge off account and adding late payments to the credit report! This account was originally in a chapter XXXX plan, however, i had the bankruptcy dismissed for personal reasons. In XX/XX/XXXX i reached out to them to try to settle the account in full. My only requirement was to have the account completely removed from my credit reports as a sign of good faith.This is a tactic that alot of creditors are doing in order to get the accounts resolved. In my opinion, people would pay their debts if they were willing to do this. Noone wants to pay and still have it remain on their reports for 7 full years! They refused! They said they cant change the way it is reporting accurately! After i reached out to them, they changed my credit report and added alot of delinquency late payments even though it has been closed for a while! I reached out to them to settle it, and they do this! They are not allowed to reopen a charge off account and start reporting late payments in a way to get me to pay. I offer to pay it, but they wouldn't take my offer! This is unlawful!!! They are continuing to report negative late payments to my credit reports!!! You can see in XXXX there was no reports of negative information. That did not start until i reached out to them to settle! They reoped the account and started reporting late payments again! They are using it against me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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: Investigation took more than 30 days

Complaint:
I have repeatedly informed XXXX, TransUnion, and XXXX of inaccurate information that's being reported on my credit file. The first dispute was sent to all three bureaus on XX/XX/2022. I did not receive a response from my dispute. I also sent a dispute to the company furnishing inaccurate information to the credit bureaus, but still -- I did not receive a response. I repeated this dispute in XXXX of XXXX, and again in XX/XX/2022. Still no response. 
The inaccurate information has prevented me from being approved for a mortgage. I ask that CFPB investigate this matter on my behalf.

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 2020-07-25
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I purchased a XXXX XXXX Security Camera On XXXX  on XX/XX/2020 from a XXXX XXXX through XXXX using a American Express credit card. Upon placing the order, the merchandise said it was delivered within one minute of placing and a tracking number was issued with USPS. The tracking never updated and suddenly a week and a half later, it said it was delivered at XXXX, the mail doesn't come at that hour at all. I went to go check the mail and there was no package there. I waited a few days because maybe it was late as XXXX told me to and it never arrived. I contacted the merchant and asked about the tracking and what it said but the merchant never responded to any messages. I also have the documents showing that the merchant ignored my messages. I contacted XXXX and they also ignored me and spent months investigating with an outcome that it was delivered. I contacted USPS and they opened an investigation and said they had no record of any package. I also have all the documents showing this. I started a dispute with American Express and I submitted all the evidence to them and they continue to try to bill me for the amount of {$170.00} even though I never received the camera. They continue to side with a merchant who ignores my messages, deleted their XXXX account and is trying to scam me into paying something I never received. This is the 4th time I am disputing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This was not sent in error, i am a consumer by law and my information was misused and now I have an unlawful account reporting negatively on my consumer report. Transunion has mailed me stating XXXX account # XXXX is verified as accurate ; however, if you scroll down under the definition section of the FCRA and read investigative consumer reports, I bring to your attention that it states : when a consumer reporting agency creates an investigative consumer report : Theyre not supposed to include factual information, it's supposed to be excluded, and theyre supposed to interview my neighbors friends or associates. Theyve failed at those responsibilities. Furthermore; proving that if they do not remove the account immediately they are civilly liable and its also inaccurate.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX, XXXX, and Experian credit agencies are reporting incorrect information on my credit report with address, phone number, and wrong name being reported. I have asked that they be removed and other credit reporting issues that are being reported without my written consent. 

The laws that they are breaking are 15 USC 1992, 15 USC 1681c-1,15 USC 1681c-2 , 15 USC 1681i, 15 USC 1681b, 15 USC 1125, and 15 USC 1695.

I have sent a dispute letter to each Agency and there has not been a response so I am asking for CFPB for your assistance in this matter.

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 2023-01-07
Company: SERVICEMAC, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was switched to ServiceMac , LLC ( involuntarily ). Since that time, we have had issues with communication. For example, our escrow amount was increased without written notice in XX/XX/XXXX. 

Then, in XX/XX/XXXX, we switched checking account. On XX/XX/XXXX, I called to confirm that the payment had gone through, and confirmed with the representative on the phone that they had the correct checking and routing number. This conversation was recorded, and it was verified that they had the correct information for our checking and routing. We were assessed return fees even though the error was ServiceMac 's. I was told that a supervisor could waive this fee. However, I was not given a ServiceMac contact information, and I was told that I would not receive an email confirming this. It would be reflected on my account. I had to make a payment over the phone because of ServiceMac 's error. Please confirm that ServiceMac has waived this return fee because the return was not the consumer ( XXXX XXXX 's error ). 

Second, with our prior mortgage servicing company, I could see specifically how much was in escrow and what payments were made to whom. However, with ServiceMac, they have to run analysis. I want to know specifically where our escrow payments are going since they were increased by XXXX. Again, when I requested this on XX/XX/XXXX, I was told that a " requesting an analysis '' of our escrow had to be done. We want an itemization of all the money going in and out of escrow.

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 2023-01-18
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: Personal information incorrect

Complaint:
Hi my name is XXXX XXXX XXXX XXXX Im contact the credit bureau about my name and address on my credit report also I send them proof that the names and addresses they have listed on my credit report was not my, I have one name that I have used though out my life and would like this corrected.According to the fair credit laws anything on your credit report supports to be accurate and correct. Names thats not corrected XXXX XXXX XXXX and XXXX XXXX XXXX and addresses that not corrected is XXXX XXXX XXXX XXXX Tx XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX Tx XXXX also removal of all accounts attached to these names and addresses.

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 2023-09-21
Company: JPMORGAN CHASE & CO.
State: NY
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:
Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number XXXX

Company response to consumer: Closed with explanation