BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX Account Number : XXXX Please remove it 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 2021-04-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I am at the chase in XXXX, CA off of XXXX XXXX and I tried to deposit a check into one of their atm machines. It told me it couldnt accept my check and requested I take my check back. Only I could see my check was stuck and was not coming out. I attempted to cancel the transaction and it was still lodged in the machine. This happened at XXXX so no one was around to help me retrieve my check back. After canceling the transaction the machine stated it would not be accepting checks however after rolling back around I noticed it was working in perfect order again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions 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:
Account was not paid late. Account never hit payment of 30 days late. Customer was in ICU with XXXX and no one at the creditor would talk with anyone but him to take the payment. Payment was made but applied to different account by mistake and they would not work with or correct the issue till they talk to the customer who was fighting for is life

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 2018-07-31
Company: Nationwide Debt Management Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello CFPB, I received multiple phone calls from a rude man named XXXX XXXX XXXX from Nationwide Debt Collections on XXXX XX/XX/2018. XXXX  first called me at XXXX XXXX on my cellphone, and then proceeded to call my work company three more times after, back to back, an hour or so later. After he called my cell phone to which I answered saying I was at work and that I would return his call shortly, he called me work phone which he is not allowed to do. I specifically told him not to contact me at work and to only contact me via my cell phone, and that I was unavailable to talk at that moment because I was at work. He then called my work phone again, and created lies saying that my dad didn't care if I went to jail or got sued, and he said my dad was swearing at him when he just got off the phone with him and he was upset at my dad. It was clear he was taking his anger out from my dad onto me, because my dad did not want to speak with him. He called an additional two more times, to which I asked my coworker to answer because I was feeling very overwhelmed and harassed by this rude man. He then started talking very rudely to my coworker, and told him he was a collection agency and that I owed money, disclosing very personal details to my coworker which he is certainly not allowed to do. He has a very aggressive nature, and my coworker was severely taken aback by XXXX 's behavior.

We already told XXXX that we are willing to go to court over the debt amount, but he still was harassing us and trying to scare us into paying. He also kept changing the amounts we owed.

I believe XXXX XXXX preyed on me because I was young, and he tried to get me to pay using deception and fear. I have never in my life spoken to someone so rude and overall as terrible as a human as XXXX. He is not allowed to harass me and call me employer several times, even after I explicitly asked him not to. He is also not allowed to harass my family members. He is not allowed to tell my employer about any of my personal stuff. He violated all these rights that I am protected with, and it is simply not okay.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 account # XXXX is in violation of 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 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- The Fair Credit Reporting act, Section 609 ( a ) ( 1 ) ( A ) states that I am entitled to the source of this information which is the original contract with my signature on it. If you are unable to verify the account with the original contract the information should be removed from my credit profile and credit report within 30 days

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, I requested for an LP, they did not provide me with the original contract as i requested

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 2022-03-24
Company: EQUIFAX, INC.
State: FL
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: Experian Information Solutions Inc.
State: GA
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 never missed a payment with XXXX XXXX XXXX. In XX/XX/2019 I made a payment in full. This payment posted on my XXXX XXXX account as paid. A few days later I took out another loan. I had no more payments for Loan XXXXXXXX. XXXX has reported me late for this account twice. They had an error with there payment transactions not me. I was called by a XXXX Representative in XXXX she called XXXX XXXX we resubmitted a payment the account representation told her they would update the information for the 30 day late notice removing the 30 day late. The information that was updated is incorrect. My credit score dropped significantly over this late designation.

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: EQUIFAX, INC.
State: GA
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: Netspend Corporation
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
NetSpend was notified of the fraudulent activity on my account. NetSpend also noticed that other cards were linked to my name and social. Debit card was cancelled and I ordered XXXX XXXX rush delivery New cards and disputes were given to all fraudulent charges. Including my missing funds never accredited to my account as the funds were placed else where. Agent at NetSpend informed me that I was going to be a credit for the missing money and tax return as well as the fraudulent charges. The sum of XXXX XXXX 
Five months later I have not received any information or credited balance for the err on their end. They now also refuse to answer my question on complain since I have made report to foc.gov

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 2018-08-21
Company: BARCLAYS BANK DELAWARE
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: Information belongs to someone else

Complaint:
I opened an account for visa card in order to finance part of the purchase of a timeshare with XXXX XXXX. The amount on the card was {$3000.00}. I paid the balance on the card prior to XX/XX/XXXX and never requested or received a replacement card, so I assumed the account was closed. 
XXXX XXXX, who was my wife at the time, was not an authorized user of the card, however, in XX/XX/XXXX she advised me that she had been using the card for some time. I don't know exactly how long, and she had accumulated a debt of over {$17000.00} on the card. She advised that a collection agency was trying to collect payment for the debt for Barclays Bank Delaware, and they had threatened to garnishee her wages if she did not pay a certain amount by a date certain. She also advised me that she was issued a card in her name on my account by Barclays. 
About a week before XXXX contacted me about this, I had received a letter from Barclays in which they claimed I owed them {$17000.00}. When I learned about the debt from my ex-wife, I wrote to Barclays advising them that I had not authorized XXXX to use my account and I did not assume any responsibility for the debt, and I requested them to remove the debt from my credit report. On XX/XX/XXXX Barclays responded to me that since their records reflected XXXX as an authorized user on the account, they considered the debt to me as accurate and they would not remove it from my credit report. I discovered from the credit bureau that Barclays had written the debt off in XX/XX/XXXX, although they had never mentioned any debt to me prior to XX/XX/XXXX. Since my ex-wife was never authorized by me to use the card, and Barclays never attempted to verify by me that she was authorized to used the card, I think they are attempting to extort money from me to pay a debt I did not incur or authorize, and I would like for them to remove the debt from my credit report and to not harass me about the debt again. My ex-wife did not reveal the debt in the divorce decree, because she intended to hide it from me. Therefore, because of her concealing the debt from me and the fact that I never authorized her to use the card and Barclays never attempted to verify that she was an authorized user and never notified me that charges were being made by XXXX on my account, I consider the debt her sole responsibility

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) ( Bureau ) 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged

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 2020-05-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am not sure on the date. They continue to keep calling my mothers home and saying that I will go to jail or even get money taking out of my work check if I do not pay the bill. XXXX XXXX XXXX, XXXX has called my work and inform my boss that they need to talk to me on a urgent matter. I am needing this to stop and want to know what else I can do for them to stop these type of calls. I went through a XXXX XXXX and this is a bill my ex-husband has did.

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 non-monetary relief
Consumer complaint received 2023-07-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TXXXXX ; XXXX XXXX XXXX XXXX XXXX, TXXXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXX, TXXXXX  ; XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: Rocket Mortgage, LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
An agent from Rocket Mortgage pulled our credit without our consent to refinance. They started calling us non stop and we finally answered after hearing her out to be polite to her, We told her by phone we were not interested, that we were happy with our existing home loan with them. The next day we replied to 2 separate text messages saying that we were not interested, we were feeling almost harassed with all the calls we were getting while we were at work, until I had to pick up and say PLEASE STOP HARASSING US, we are happy with our current loan and we are not going to refinance Tonight we realized that we had a hard inquiry because the agent pulled our credit without our consent, permission or authorization. That is against the law and our rights. How dare you betray and take advantage of faithful customers Rocket Mortgage?!!! 

I have pictures of the text messages and calls to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: MD
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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