BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
To Whom It May Concern : I am writing to inform you of an inaccuracy in my credit reports regarding my name. I have noticed that the name XXXX, XXXX, XXXX, is being used instead of my correct legal name, XXXX XXXX. Please make the necessary changes to my records to reflect my legal name. 

I will send you a copy of my legal name document as soon as it becomes available. Once you receive it, please update my records and confirm the change in writing. 

Thank you for your attention to this matter. 

Sincerely, 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 2022-11-14
Company: AMERICAN EXPRESS COMPANY
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:
XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX sent my credit to a bunch of banks that I didn't want and resulted in unwanted inquiries. 

AMEX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX HAD MULTIPLE INQUIRES FOR XXXX APPLICATION. Others were said to be pre qualifications but weren't. 

XXXX XXXX XXXX XXXX : Car dealer gave me multiple inquiries for XXXX application. 

XXXX XXXX XXXX : Car dealer gave me multiple inquiries for XXXX application. 

XXXX XXXX XXXX Car dealer gave me multiple inquiries for XXXX application. 

XXXX XXXX : XXXX dealer gave me multiple inquiries for XXXX application. 

XXXX XXXX XXXX Car dealer gave me multiple inquiries for XXXX application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Resurgent Capital Services L.P.
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I am the owner of a XXXX XXXX ( XXXX XXXX ), and I own all the share, and I am the holder of all the XXXX postions. I took a commercial mortgage out in XXXX with XXXX XXXX XXXX in XXXX, and we renewed every 4 years. In XXXX my credit rating went down, but I never missed mortgage payments to XXXX XXXX, yet I was sometimes late. I paid my original balance from XXXX to XXXX, and we could not reach a deal in XXXX, so XXXX XXXX XXXX sold my note to a company called cach llc. Cach llc then offered me a deal to pay off the note in 36 installments at {$1000.00} per month. I paid the note off in XX/XX/XXXX which was way ahead of schedule. Cach llc went bankrupt and Reusurgent Capital Services out of XXXX, sc ended up with my paid off note, and I think mortgage. I thought I was mortgage clear. I got an offer to buy my building in XX/XX/XXXX, and when the buyers title company contacted me I discovered my XXXX  had a mortgage lien. XXXX XXXX informed me that Resurgent Capital had the mortgage and the note. So I am sitting here with a chance to sell my paid off property and I have a mortgage lien which should been released in XXXX. Myself and the lawyer for the title company have called XXXX XXXX and resurgent capital services, and we have been bounced around from one person to the other, and we even sent certified mail giving them a 15 day notice, and letting both companies know the ohio law. Resurgent nevers gives us a contact person, and when we speak to someone they give us a first name, and you never get to talk to that same person when you call. Reurgent claims XXXX XXXX XXXX never assigned the note, and XXXX XXXX   said they can not release the mortgage. I do not want to lose my buyer. My loan is under my XXXX  XXXX XXXX XXXX. I need your help to tell these people to release my mortgage so I can sell my building. Reurgent agrees I paid off the note, and I can not understand why they are holding my mortgage and note, and XXXX XXXX is not cooperating. My buyers even gave me down payment earnest money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: NV
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 writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon Experian, XXXX and XXXX XXXX to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
Experian : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/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 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
According to the FCRA that you are suppose to be in compliance with states that pursuant to 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( ii ) the communication of that information among persons related by common ownership or affiliated by corporate control should be excluded from my consumer report. I believe these accounts should be removed from my consumer report according to the FCRA. you are in violating the law by reporting accounts that should be excluded from my consumer report. All accounts associated with US DEPT ED or DEPTEDXXXX be removed from my consumer report immediately.

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 2023-11-06
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Ok XX/XX/XXXX and XX/XX/XXXX of 2023. I had 5 credit inquiries that I did not do myself. Someone stole my information and opened these cards.

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 2023-08-09
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On or about XXXX XXXX XXXX, I was offered a Hurricane Ian Disaster Forbearance by Mr. Cooper ( Nationstar Mortgages d/b/a Mr. Cooper ) after Hurricane Ian caused an incredible amount of damage to our home. I was told that the three skipped payments would be added to the back end of our loan. A agreed to accept three months, believing XXXX XXXX ( our insurance company ) would come to our aid in that time. I was wrong. 

I was approved for a " Extended Modification '' XXXX XXXX XXXX  which Mr. Cooper 's document states " ... adds the principle and interest payments you missed during the forbearance to the end of your loan and extends your loan term ... '' I mailed a modification application to Mr. Cooper to reinstate the mortgage payments. After the wait period I called to check the status and Mr. Cooper 's associates explained that " I '' had canceled the application. This was not true. I repeated this action again and again over the next several months because associates from Mr. Cooper claimed that after mailing my applications, that I canceled them each time. 

To rectify this misunderstanding, I applied online at the Mr. Cooper website only to be informed that I had yet again canceled my application. After escalating the problem to XXXX XXXX I learned that I never qualified for a forbearance. Prior to Hurricane Ian my wife and I had applied for a streamline mortgage, gotten it, and made several payments. XXXX XXXX XXXX  computer system had flagged Mr. Cooper 's offer for a Hurricane Ian Disaster Forbearance but no one in XXXX XXXX informed us until many months had passed. 

Furthermore, as we were in this forbearance and loan modification application period our mortgage was raised and then after the multiple efforts to get the loan modification to go through the system, we were denied the loan modification due to " excessive obligations in relation to income '' and promptly sent a demand letter. 

As of XXXX XXXX XXXX Mr. Cooper was demanding the full amount due for the ten months we had been going through this to bring the mortgage current. A community organization offered roughly half the amount owed toward the balance, and we were able to pay the other half. Two cashiers checks totaling the balance and the next month 's mortgage were over-nighted to Mr. Cooper on XX/XX/XXXX to bring the mortgage current. We have documentation the money arrived before the deadline stipulated in Mr. Cooper 's demand letter. Mr. Cooper 's representative informed us the payments were rejected, stating a minimum payment must be in one check or one electronic transfer. This was never stipulated in writing. It would also make it impossible to get help from organizations. Our mortgage account will no longer accept payments. 

We had paid on this loan every month for twelve years and never missed a payment until Mr. Cooper 's offer to " help '' us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: VA
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2021-11-06
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Victim of Fraud and identify theft from a company called XXXX which i have never done any business with before. Never even heard of them. 

Received email from XXXX on XX/XX/XXXX at XXXX that I purchased football game tickets for tomorrow. Order was for {$250.00} Then almost immediately at XXXX I receive an email from XXXX that your tickets are ready Then at XXXX I received another email from XXXX to say I purchased football game tickets for tomorrow. Order was for {$290.00}. Order XXXX At XXXX I receive a email from Chase indicating suspicious activity on account. I need to confirm if I made these purchases for {$410.00} on XX/XX/XXXX. I replied NO! To this email. 
Then at XXXX I receive an email from XXXX that my email address was changed Ultimately i was charged the {$250.00} as the other order was cancelled. 
Both these orders I did not make myself. 
I spoke to Chase bank ( my credit card company ) and they said not to worry and I wont be held liable as I have protection. 
1 Month later they sent me a letter to say that I am responsible for transaction and that I benefited from this transaction. 

I've tried to contact XXXX but no one ever answers the phone, emails or their XXXX emails. 
Made police report for identify theft and fraud ( XXXX PD ) Logged complaints at FTC and WA State Attorneys office against XXXX Filed Complaint against XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since the beginning of 2018 I have been trying to contact XXXX to have my account credentials reset. It appears they have updated their systems and my account credentials no longer work. I simply just want to get access to my statements online, however after 3 months of calling and emailing, they are still unable to action this simple request to provide me access to the information on my loan accounts.

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 2023-10-18
Company: EQUIFAX, INC.
State: IL
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 recently obtained a copy of my consumer report and identified several late payments reported on my XXXX XXXX XXXX XXXX account : XXXX XXXX XXXX XXXX Account # XXXX ( Reported late payment dates ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXXXXXX  Upon reviewing my credit report, I have discovered that these late payments are in apparent violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681a 2 ( A ) ( i ), which states : " Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' Additionally, the Fair Credit Reporting Act ( FCRA ) outlined in 15 USC 1681 and 15 USC 1681b, The FCRA clearly states under 15 USC 1681b ( a ) ( 2 ) that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. 

To reiterate, if there are no written instructions from me ( the consumer ) authorizing the inclusion of specific accounts on my credit report, they should not be present. This constitutes a violation of the FCRA, as I never provided written instructions for the inclusion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On several occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX I have contacted XXXX XXXX XXXX and Lexis Nexus in regards to reporting inaccurate information. I included documentation where I do not have a bankruptcy and that Lexis Nexus has reported this without proper verification and stated that it was public information and that they received the information for the courts. I obtained a letter from that court and they stated that they did not provide any such information and provided me the letter verifying that they did not do so. I sent all the documentation in and all bureaus listed refuse to delete this off my credit report. I researched the laws and regulations and it states that in order for an account to be reported on a credit profile it must report 100 % accurate information or be deleted. It is impossible that they verified this information when it says XXXX and XXXX discharged. There is no way you can have 2 bankruptcies discharged a year from one another. Then there is another one reporting dismissed because it can not report because they have 2 listed discharged. There is no way they have performed a proper investigation or they would have seen these errors. They have refused to delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Ballybunion Enterprises, Inc
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted XX/XX/XXXX by an attorney working on behalf of Military Credit Services stating that I had a judgement entered against me in XXXX in XXXX, Virginia. Upon research appears this was common practice of Military Credit Services ( aka Freedom Stores ) that affected members of the military. During the time of the loan in question I was stationed at XXXX XXXX, NC. Though I have no recollection of visiting these stores, it is entirely possible that I purchased something from such a location. 

The attorney went further to explain they would not enforce a garnishment but would proceed to put a lien on my home if I failed to pay. He also informed me of an interest rate of 19.96 % having been entered during the judgement and relayed that over {$2000.00} had accumulated in the nearly 10 years of this judgement being entered. This account had went from around {$1300.00} to about {$3300.00} in the time since judgement. I had never been served during this time period and was unaware of such activity taking place without my right to dispute or appear in court. 

From subsequent research I was able to find that many of these claims were set aside or refunded, as they showed lack of proper process in notification. This issue has apparently eluded XXXX and XXXX XXXX ( the attorney that has reinstated the adverse credit items on my report and contacted me for collection ).

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 2023-07-01
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2023, I was asked by a XXXX store clerk if I was interested to join a rewards program, I asked them what that meant and what I needed to do and they only told me to show my State ID and did not at all mention that this was a credit application. I was not informed about any applicable interest rate or fees, I was only informed that by scanning my state ID, I would get a 25 % discount on the purchase. I agreed to that and did not think further about the interaction. 

To my surprise, on XX/XX/2023, I received a store card in my name in the mail. 

Upon checking my credit history, I found that a hard inquiry was made to open this account. I called the issuer of the card and they agreed to close the account. They also agreed to request removal of the hard inquiry from my credit history. 

In retrospect, the store clerk deceived me into opening a credit account that I never consented to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Scammer phone number : XXXX ( XXXX ) XXXX Scammer 's Email : XXXX Scammer 's name : XXXX XXXX XXXX XXXX XXXX XXXX sometimes they use both male & female first names ) These scammers are preying on people 's paypal personal accounts as well as accounts on websites such as, XXXX, XXXX etc. 
They contacted me via phone & text messages on XXXX threatening my life and personal data security several times. This way they wanted to force me to pay them money via PayPal. 
I presume they somehow have managed to illegally obtain my personal information from my profile accounts on the websites mentioned above. 
I already reported to PayPal com. but no actions have been taken so far. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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  {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$140.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1300.00} ; XXXXXXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : {$1300.00} ; 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

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