BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 an account without my written instructions.

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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-04-17
Company: Experian Information Solutions Inc.
State: MO
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:
I received on my email that an inquiry was placed on several of my credit reports with XXXX, Experian, and XXXX on XX/XX/ 2023. And I placed a Fraud alert freeze on my identity. Some how my XXXX was compromised so I went online to the credit report agencies besides XXXX they wanted me to pay to place a fraud alert and a freeze hold on my account. XXXX XXXX  XXXX placed a hard inquiry on all 3 of my credit reports when I didnt request a loan. My XXXX  devise was compromised. Please have these credit report agencies to remove this fraudulent hard inquiry off my report. These credit report companies work and promote these loan companies. So that this affects your credit so that a hard working consumer is taking advantage of lower the score to hit them with a high interest rate. I feel they should of contacted me before a inquiry was made. This was a identity theft devise that a hacker tried to get a loan on my behalf. Please assist on having this removed.

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 2023-09-19
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I am filing a complaint against US Bank regarding mortgage payment issues. I am receiving payments from the Homeowners Assistance Fund ( HAF ) which is a Federal Program. I was approved for 18 months of payments in the amount of XXXX. Since the beginning HAF payments have been sent to US Bank in batch payments on the first of each month. This was confirmed by representative at HAF. However US bank applies the payment during the middle of the month so that late fees are incurred and negative credit reporting applies. Due to increased escrow analysis I am now responsible for the overage that HAF doesn't pay which is a hardship for me but I manage to scrape up payment. The issue is that according to US Bank I can not make the overage charge until AFTER they post the HAF payment which causes my portion to be late and negative reports to credit bureau. US bank should apply the mortgage using the date they receive the payment which is the first of the month not on the date their employee decides to manually post it.

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 2023-05-03
Company: JTM Capital Management, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have made a previous complaint under XXXX to XXXX XXXX XXXX regarding a credit card that was paid off to them in XXXX. They informed me they sold the debt to JTM Capital Management LLC and the account was serviced by XXXX. This account should show as paid in full. The last balance was {$180.00} XXXXXXXX XXXX XXXXXXXX and this was paid.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Army and Air Force Exchange Service
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have this account since I joined the Military back in XXXX. I never had this account on my credit report but recently I missed a few payments and now they are reporting derogatory on my credit report. I called them on XX/XX/XXXX to ask why my account is closed and why it is reporting negatively. I was told in an email that my account was active and is able to be used for charges. 

Dear XXXX XXXX, Thank you for contacting our office concerning your MILITARY STAR account with the Army and Air Force Exchange Service ( The Exchange ). 

A request has been submitted to remove the ACH payment restriction on your account. Your account is active and can be used to make charges. 

Payments may be made by cash, debit card, check or money order at any local exchange. Customers may also schedule a bank draft, or mail their check or money order directly to : EXCHANGE SERVICE XXXX XXXX XXXX XXXX, OH XXXX Please make sure that you include your account number on the check. 

If you have any further questions or concerns, please feel free to contact our 24/7 Customer Contact Center at XXXX, or via email at XXXX. 


Respectfully, XXXX XXXX. 
The Military Star Email Team Army & Air Force Exchange Service XXXX XXXX Visit our online store! www.shopmyexchange.com I was told by the representative that my account was closed because I used a bill consolidation agency incharge. I have always been in good standing with this account. They even took money out of my paycheck without my consent or awareness back in XX/XX/XXXX. I am caught with all past due payments.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: MS
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:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This company is reporting that my loan is in foreclosure. This company continues to violate me with incorrect information on my credit report. They are violating my right to privacy and havent sent me signed disclosures by law.

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 2023-04-22
Company: Wilber and Associates, P.C.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received several letters weekly from Wilber and Associates that had a claim for me for XXXX of their clients : Claim number XXXX. Client claims XXXX. Indicating that I had an incident of amount owing for XXXX for an incident at a church parking lot on XX/XX/2022. There was no such incident as claimed, said I was backing out of a parking lot, and touch vehicle where they were no visible marks to warrant a { hitting care out of alignment }. I told client I did not here I touch car, nor do I see any marks to warrant a claim. No police were, called, I did not present my insurance because there nothing to report. 

I Requested a claim breakdown and pictures of damages. I did not receive pictures but claim breakdown for XXXX. XXXX work done, paint and other supplies, when there was no visible accident/incident. Car was parked, I was backing out carefully. Trying to tell this company that there were damages warrant a claim in any form. Still getting letters and sometimes phone calls which is having a mental state on me. Kindly look into the matter for me. My car has no marks to warrant such costs or damages. 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-12-04
Company: EQUIFAX, INC.
State: OH
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:
In accordance with The fair credit reporting act DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c. 1681 section 602 A states I have a 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. Neither company was able to furnish me with my original contract these accounts should not be reporting THESE ACCOUNTS DO NOT BELONG TO ME I HAVE NEVER ATTENDED COLLEGE OR APPLIED FOR STUDENT LOANS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
PayPal has repeatedly called me to collect a debt due to fraud facilitated thru their platform. A PayPal user committed fraud and i was issued a chargeback. After the final investigation I was left having to pay the amount I was owed. 

I paid the full amount plus fees ( which I did not collect ) and PayPal has repeatedly continued to call me seeking re-imbursement even though they have already collected the funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
HARD INQUIRY REMOVAL IS IMMEDIATELY REQUIRED - UNAUTHORIZED, UNAPPROVEDHARD INQUIRY REMOVAL IS REQUIRED. THIS HAS NEGATIVE, ADVERSLY IMPACTING MY CREDIT LETTER ATTACHED

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 2023-08-16
Company: Experian Information Solutions Inc.
State: NV
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:
The following accounts were opened frauduantly, please delete as the information reporting to my report is false and identity theft. 

XXXX XXXX card services  {$1200.00} opened XXXX XXXX XXXX card services {$5300.00} opened XX/XX/XXXX XXXX XXXX XXXX {$11000.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX auto loan opened {$38000.00} XX/XX/XXXX XXXX  XXXX XXXX {$2500.00} opened XX/XX/XXXX XXXX XXXX {$4500.00} opened XX/XX/XXXX XXXX XXXX {$1300.00} opened XX/XX/XXXX XXXX XXXX XXXX  {$7400.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} opened XX/XX/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 2020-04-01
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: Account information incorrect

Complaint:
I am a paying member of Trans Union Credit. I have access to all 3 credit reporting agencies. I have in the last 90 days filed disputes per their process. I had an installment loan with XXXX loan # XXXX which I paid off two months ago. Trans Union 's credit report shows the balance of {$16000.00} is now XXXX. However, When I check all three agencies reports it still shows a balance due of {$16000.00}. When I tried to file a new dispute and went through the online process I get a messages back " We are sorry, but we are unable to to full fill your request your request at time '' Then a message, " what to do Now ''. 
I paged through this information and finally found a phone number to call customer service, I was placed ON HOLD for 1 hour and 15 minutes and when answered it was a lady in XXXX. She told me that the XXXX account showed XXXX  on balance. So I walked her through going to all 3 agencies reports and that there it shows the account is still open and the NOT paid off which is wrong. She acknowledged that she agreed with this. However, that the dispute and technical depts. were having difficulties and she could not do anything about it. I ask her, I have been working on this for 2 weeks and are no closer to getting someone to resolve it. She said she could file the dispute manually and I would get a confirmation email that this was done. She verified my account and email with Trans Union. To date I NEVER received the confirmation. For me this is very frustrating and I consider it Harassment and nobody at Trans Union cares because they do not have to take care of this our satisfy my disputes and to think I paid them {$29.00} for the privilege of getting screwed. I thought the U.S. Government had taken action to prevent these credit reporting agencies from hassling, delaying and not servicing the American Public ... .my experiences are nothing has changed, HELP!

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 2023-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received email and text message regarding an account with Capital One that I do not have. I am an identity theft victim have never done business with Capital One. I contacted them but their system was not able to give any details about the fraudulent account at the time. However, they were able to confirm that an account was opened under my name using my social security number. I do have credit freezes with all 3 credit bureaus and with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the Chase XXXX Mileage Plus Club card on or about XX/XX/XXXX. At that time, on the XXXX website, there was a published promotion for XXXX bonus miles to be awarded after certain conditions were met. I met those conditions, and never received my bonus miles. I contacted the Chase, on approximately XX/XX/XXXX ( exact date unknown ) who informed me that my offer did not include any bonus miles, but rather a waiver of the first year {$490.00} card fee. While speaking with the Chase representative, I returned to the XXXX website, and so that the offer of XXXX miles was still displayed as the promotional offer. However, when clicking through, the offer changed from XXXX bonus miles to the annual fee waiver. It was not made clear that the offer was being changed, and I had every reason to expect that the I would receive the bonus miles. 

When complaining to Chase about this discrepancy, the rep informed me that they could not do anything about this, and would forward my complaint to the marketing department. Several days later, I got a written letter from the marketing department, signed by XXXX XXXX, Customer Service Specialist, informing me that they would not honor the XXXX bonus mile offer. There was no contact information provided, and when I called back to Chase on XX/XX/XXXX, they told me that the decision was final and there was nothing that they would do. 

I feel that this is a clear bait and switch marketing tactic. They promised XXXX bonus miles in their lead offer, then without clear notation, changed the offer while clicking through the steps to apply. The XXXX bonus miles have a clear, and significant monetary value, and was the sole reason for my decision to apply for this card. There are many better options available for me ( including the XXXX Explorer card )  which I would definitely have chosen over this option had Chase not used their deceptive marketing tactics. I believe that this tactic was intentions, in an attempt to dive more business to their premium, high annual fee card. 

Since the time I made my initial complaint they have changed their offer ( it is marked as new in their website promotional displays ) to offer the same XXXX miles, but they do not change it to the annual fee waiver during the click through process. 

Please help me to encourage Chase to honor their promises made in their marketing campaign.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-06-27
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed a debt to XXXX to close my cell phone account ( approx. {$200.00} ) I PAID XXXX DIRECTLY via their online portal. 
I now see this company " Convergent Outsourcing '' has posted a XXXX collection on MY credit reports. But I do not know " Convergent Outsourcing '' I never paid THEM anything. I only know XXXX, and I paid XXXX directly so there should NOT be any collections showed on my credit report for this XXXX matter and definitely NOT Convergent Outsourcing.

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 2023-04-22
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments

Company response to consumer: Closed with explanation