BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-09
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2023-06-11
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: TX
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:
While reviewing my credit report I noticed these hard inquiries that I did not recognize : XXXX XXXX Equifax XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am a couple days late on my credit card account and commenity bank are calling me 6 times a day. When I called to ask them to stop calling me an abusive amount of times, they told me they can call me 7 times a day, which is illegal. They were unwilling to call me less than

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-09
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: Account information incorrect

Complaint:
During the pandemic I chose to use the forbearance action to stop paying the mortgage on my home for 90 days. Based on the CARE ACT I asked my loan servicer XXXX XXXX for the forbearance it was accepted. Shortly there after my credit score dropped 40 points. I am sure congress did not intend this out come, significant damage to my credit score following the CARE ACT of 2020.

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 2018-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 received my XXXX credit report File Number XXXX dated XX/XX/2018 and noticed it still contained the wrong personal information that they constantly supposedly erase every month. I call them every month to have them remove incorrect addresses and then the next month the addresses are back on my credit report. I asked a representative why did this keep happening he said that he didn't know and that there wasn't anything that he could do. Reporting al of these incorrect addresses is a nuisance. I don't understand why they can not just block these incorrect addresses from appearing on my credit report. The only address that should be listed on my credit report is XXXX XXXX XXXX XXXX, SC XXXX. Please remove and block this information from my credit file as this is not my personal information. also there is one number that is reporting listed as mine and it is not. 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 2023-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I did a balance transfer with BJs/XXXX  XXXX  for the amount of {$1300.00} they should have sent the money to XXXX XXXX and XXXX  never received it and I never received the funds I have tried to get them to send me pictures front and back of the check but they keep giving me excuses I have been dealing with this for a hole year trying to get this resolved please help I have what ever more information you need

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Patenaude & Felix A Professional Corporation
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Received a notice of judgment to be filed against me if I dont pay a student loan that is in the hands of National collegated Student Loan trust. Ive learned that I never received proof that I took this loan out and have no idea from who but they have my information. I was forced to pay after the sheriffs office came to my home with papers stating I owe this debt. This was in XXXX of 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: PR
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 convengent account # XXXX and # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accoun1ts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name 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 1681 c. ( 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 explanation
Consumer complaint received 2023-10-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been unable to open a bank account anywhere I go due to a security freeze on my ChexSystems. I have never requested Chex Systems to freeze my account and I have requested multiple times of the past 60 days to remove this freeze and they keep claiming they will mail me a pin at my home address that I have provided. I have yet to receive anything. 

This is absolutely absurd that ChexSystems can uniltaerially freeze my account and I am unable to unfreeze it so banks can acess the infrormation.

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 2018-03-08
Company: RoundPoint Mortgage Servicing LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, I have a loan with Roundpoint Mortgage Services ( www.rpmservicing.com ), Loan # XXXX. On XX/XX/XXXX, they force placed insurance on my mortgage without notification. This amount is ~ $ XXXX/month,  additional. I have made weekly phone calls since XX/XX/XXXX and continue to get the runaround. I have insurance both on my condo interior and the condo building has a master policy. In most recent interactions, I called Roundpoint multiple times in XX/XX/XXXX and spoke with two individuals from the Insurance department : XXXX on XX/XX/29 collected my insurance broker information and contacted the master policy broker for the details requested. XXXX indicated that I would receive a refund for the force placed insurance once the documentation be obtained. I called back on XX/XX/2 and spoke with XXXX. He confirmed that XXXX received the documentation and a refund should process in 7-10 business days. I have since not received a refund. Since XX/XX/26 through XX/XX/1, I called the Insurance Tracking dept everyday and would stay on hold for over 1 hour until I hung up. I called the main Roundpoint line on XX/XX/1 and spoke with a rep named XXXX. XXXX confirmed that no documentation confirming my insurance was captured on file or any record of my phone calls. She admitted that Roundpoint had recently changed their insurance servicer, therefore all prior information communicated went obsolete. She instructed me to resubmit my insurance documentation via email, which I did, and call back in 3 days. I have since called back numerous times and can not reach the insurance dept or a human to confirm receipt. I have also sent two requests to Roundpoint via email requesting resolution and have not received a response. I desperately need help as there was no need to forceplace an insurance policy on my mortgage and a deficit of $ XXXX monthly is much higher than I can afford to sustain! Thank you.

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: Experian Information Solutions 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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
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 non-monetary relief
Consumer complaint received 2023-06-11
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: Information belongs to someone else

Complaint:
I recently pulled a copy of my consumer report, and noticed that there was an account with The XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, I have contacted the company requesting documentation that they sent a notice out to me, requirement of the FDCPA, because I do NOT owe this alleged debt to them. I informed them that they have violated my federally protected consumer rights, violated federal law- FCRA and FDCPA and committed criminal attacks against me. 

As required by the requirements of the FCRA, furnishers and reporting agencies both must use reasonable procedures, which the CRAs did not do prior to placing this fraudulent account on my consumer report. The inaccurate reporting on my consumer report is also a violation of the FCRA 's requirements of accuracy. 

In addition to the violations committed by the company, the CRAs are just as liable because they did not uphold the requirements of federal law in using reasonable procedures in investigating my disputes, ensuring maximum accuracy and confidentiality. The CRAs conspired with the company to cause financial damage to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: EQUIFAX, 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:
I applied to rent an apartment today XX/XX/2020 and when they ran my credit, I was told that I was not eligible to rent an apartment because there was an account and several inquiries reflecting badly on my credit history. I had no idea what they were talking about but when I looked through my credit report I saw an account from a company called XXXX that I never opened. I don't know why this account is appearing on my credit report since it is not mine and I never allowed anyone to open it in my name. I did not benefit anything from this account such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards this account. I do not have any written/verbal contract with that company and I never gave them permission to run or access my credit information. I have already filed a police report regarding these unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a free trial with the company XXXX. I canceled my free trial, and XXXX said I owed them {$130.00} and that I needed to make a payment or the account would be sent to collections. This is inaccurate because I canceled my free trial. 

I tried calling XXXX several times and they stated they couldn't do anything about it. I am needing these unjustifiable payment charges to be solved and taken out of collections so they wont be reported to the credit bureaus, because this shouldn't be in collections in the first place because I canceled my free trial with 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 2022-03-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. 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 non-monetary relief
Consumer complaint received 2018-12-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was reviewing my credit report and noticed a late payment in my CHASE AUTO account number XXXX past due in XX/XX/2018, i am not sure how this happened, i believe i made my payment on time when i received my statement, my account is in automatic payment, they did not charge my account on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have spoken to each company and fraud department and the Police department!!! 
Yet they agree with me and state they will remove the accounts from my credit report!!!! 
Yet they return and update with the same errors and inaccuracies!!!! 
The Police Report should be more than enough for all the companies on my credit report playing these games charging off, selling private information about me over and over and over again and again Long term chaos!!!!!

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 2023-06-11
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 Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC. 

Account : XXXX XXXXXXXX XXXX, violated my rights.

15 U.S.C 1681 Section 602 A. States I have right privacy.

15 U.S.C 1681 Section 604 A Section 2 : its 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 of information, other than records of convictions of crimes which antedates the report by more then 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 know or a 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