BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-09
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

{ Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights . I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. False misleading information furnishing deceptive forms must remove late payments in the payment history. The accounts are listed below : 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 2023-07-27
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: 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 

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. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: Experian Information Solutions Inc.
State: AL
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:
In XXXX of 2020, I disputed the accuracy of a late payment on my report. I disputed this account with the creditor, XXXX XXXX  and all three major credit bureaus. Unfortunately, my efforts did render a positive outcome. XXXX XXXX  never responded to my request for validation or an exemption for the one time late payment. Under these circumstance, the creditor not responding within a 30 day time frame upon receipt of my dispute, is sufficient means for deletion off my credit report. Experian XXXX XXXX  both disregarded the FCRA ruling by not thoroughly investigating this dispute properly. I'm requesting deletion based upon the fact that they did not follow procedures as outlined in the FCRA.

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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX inquiries to be removed 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 2023-04-06
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt was for cancellation of a homeowners policy which was paid for the month it was cancelled. Credit Collection Services ( CCS ) has incorrectly reported this as a {$110.00} collection on my XXXX XXXX credit report. I submitted a written request to CCS for the original debt verification letter from the insurance company, namely XXXX. To this date I have not received any response from CCS. I request this collection be removed from my credit on an immediate basis.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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: Was not notified of investigation status or results

Complaint:
Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.It has been more than 7 months and I have never been given any information of the results of my request. I dont recall informations and I have never given permissiion to furnish any of the details on this account information. Account information disputed by consumer, meets FCRA requirements. I am requesting that this accounts referenced to the attached letters be removed from my credit report as soon as possible.

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 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
XXXX is reporting that my account is late. It can not be late because its been closed and paid in full for over 4 years. XXXX reported to Transunion, XXXX. XXXX  this account is open and late dated XX/XX/XXXX. 2020. This is inaccurate and fraudulent and hurts my credit growth. This must be stopped and my credit report must be updated correctly.

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 2022-10-25
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
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:
I submitted a letter to the 3 Credit Bureaus to DELETE these unverified accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: HANCOCK MORTGAGE PARTNERS LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We are the sellers of this residential property : XXXX XXXX XXXX, XXXX XXXX, OH XXXX. The buyers, XXXX and XXXX XXXX, scheduled a private showing of the property within the first 72 hours it was on the market. They immediately made an offer on the property through their agent, XXXX XXXX with XXXX XXXX. Our realtors, XXXX and XXXX XXXX, presented their offer, including a pre-approval letter from XXXX XXXX ( XXXX XXXX ) with XXXX XXXX XXXX. Neither Ms. XXXX, nor Mr. XXXX, indicated that their pre-approval for an FHA loan was contingent upon the sale and closing of the XXXX ' current property. We asked our realtors if this was a contingent offer and they assured us it was not, as the information was not included in the pre-approval letter from Ms. XXXX. We accepted their offer on XX/XX/2019 ( the pre-approval letter was also dated XX/XX/2019 ). Our property was off the market for 6 weeks as we awaited closing on XX/XX/2019 ( title to be filed XX/XX/2019 ). The property did not close as the XXXX ' property failed to close and they could not have 2 concurrent FHA loans. The buyers requested an extension of the contract and we countered with a request for our expenses on that property to be paid and earnest money to be relinquished to us on the extension date of XX/XX/2019. The buyers refused. We declined to extend the contract which would extend our risk of not closing on the property for another 4 weeks. Our realtors contacted Ms. XXXX on or about XX/XX/XXXX to find out what happened with their pre-approval. At that time, Ms. XXXX admitted that the XXXX ' loan was in fact contingent on the closing of their current property, but, she said, they anticipated the property would close ; however, that transaction never occurred and Ms. XXXX 's assumption and lack of transparency cost us valuable time to market our home to more qualified buyers. A second correspondence from Ms. XXXX, via email to our realtors on XX/XX/2019, was a rambling dismissal of her culpability, denying she falsified their pre-approval letter. We were deceived, tricked, and defrauded of the opportunity to make a fully-informed decision on the sale of our property by MsXXXX XXXX. This unethical practice cost us 6 weeks of marketing our property for sale to a qualified buyer.

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 2023-04-06
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: Information belongs to someone else

Complaint:
see attached I have been contacting these companies since XXXX of 2022, notifying them I am a victim of identity theft. I have sent proof of identity along with an identity theft affidavit yet these fraudulent accounts remain on my credit.

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 2022-06-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I wanted to buy concert tickets from a user on XXXX who sent me a screen recording going from our conversation to the concert tickets in question, then back to our conversation again, so I believed this person to be credible. The user wanted the payment to go out to XXXX XXXX and the XXXX handle was XXXX XXXX  They requested {$500.00} for each ticket ( XXXX tickets ) and I sent {$500.00} to them through XXXX XXXX as they had asked ) and then my father sent the remaining amount through XXXX as well. The user told me that they were going to send me the tickets in XXXX hours. XXXX hours later they did not send the tickets and did not respond when I contacted them regarding the tickets.

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 2022-11-26
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: Problem with personal statement of dispute

Complaint:
Trans Union is in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt notice of dispute to furnisher of information.

( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer. 

On XXXX XXXX XXXX I called Transunion to initiate a dispute of their reinvestigation process knowing that they did not contact XXXX XXXX  court in reference to inaccuracy of bankruptcy listed on my credit report. I stated that trans union is in violation of said law : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] I was subsequently hung up on. I called back and was able to get to someone who would take my dispute the agent told me that my dispute had been submitted but investigation was not submitted. Accounts disputed listed below XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone XXXX Court Type XXXX XXXX XXXX Date Updated XX/XX/XXXX Date Paid XXXX this date is incorrect Estimated month and year that this item will be removed XX/XX/XXXX Plaintiff Attorney XXXX XXXX incorrect I had an attorney Responsibility Individual Debt XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone XXXX XXXX Type XXXX XXXX  XXXX Date Updated XX/XX/XXXX -this date is incorrect Date Paid XX/XX/XXXX - this date is incorrect Estimated month and year that this item will be removed XX/XX/XXXX Plaintiff Attorney XXXX XXXX XXXX Responsibility Individual Debt

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 2022-06-03
Company: Experian Information Solutions Inc.
State: NY
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 Crediting Act XXXX  Account NameXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, ( XXXX ) XXXX Account # 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My business account was restricted by JP Morgan Chase bank on Thursday XX/XX/2021. 
I called to find out the reason 3 times on XX/XX/2021, XX/XX/2021 and XX/XX/2021. 
Customer service was extremely rude : when I called second time the Lady stated that Investigator XXXX ( who takes care of my case ) " doesn't want to talk to me, due to he has not enough information and investigation might take weeks or month or years ... ''. I asked to transfer me to Supervisor. Spoke with supervisor XXXX and she stated that I can call back on Mon. XX/XX/2021 and XXXX will be able to provide some information. 
I called on Mon. XX/XX/2021 and get no answer from XXXX again. Customer service representative stated " I doesn't know what to tell you, so I will hang up on you '' and did it. As the customer I was very nice and wanted just to find out what is going on with my account and what is the reason for restriction, even offered to provide all information to help to move investigation forward. 
My money were blocked on account plus all translations, that I have from my vendors every day now are stuck. Based on Deposit account agreement I have right for Disclosure of account information to me, but Chase bank refused to do so. Now I don't have access to my funds, no information from Chase and no terms when they will open access again or will return me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Crediting Act XXXX  Account NameXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, ( XXXX ) XXXX Account # 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.

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 2022-06-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
These accounts are not mine. I have reached out to dispute the accounts letting them know the accounts were not opened by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Consumer Portfolio Services, Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My bankruptcy was XXXX in XX/XX/2018. The collection company ( Consumer Portfolio Services , Inc. ) has been contacting and harassing my employment via contact XXXX and my personal phone XXXX about account XXXX. Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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:
between XX/XX/2018 and today XXXX XXXX has reported fraudulent information without my permission on my credit report with no communication and opt out ever sent to me. 

Fraud Alert. This account does not belong to you. 
No written permission has been giving by the consumer to any debt collector or credit reporting agency or any person or any company to report anything on a credit report using me private information. 15 USC 1681 a,2, 15 USC 1681 a, 4, 15 USC 6802 No opt out letter or written communication has ever been received by the consumer from any consumer reporting agency or any debt collector who has placed fraudulent information on my consumer credit report. 
Provide me with a certified copy of the investigative consumer report with full disclosure that has been completed to validate and verify the information that has been reported.

Provide me with certified copy of the written permission that you have from me to report anything.

Provide me with all of the written communication with me with my opportunity to opt out.

Provide me with the bona fide evidence that i am all four of the entities on the report. 
Provide me with bona fide evidence that you have abided by the 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 2023-05-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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