BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: SYNCHRONY FINANCIAL
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: Problem with personal statement of dispute

Complaint:
The company below failed to do a proper investigation of my credit report. according to the FRCA the term investigate conusomer report mean a consumer report or portion thereof in which the information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or others with whom he is acquainted or who may have knowledge concerning any such items of information. So how was there a through investigation done if they did not interview any one & provide that information this is a violation of my rights according to the law. I demand that the accounts be removed immediately. Also every piece of information on these accounts is still not reporting 100 % accurately & according to the FRCA 15 U.S.C 1681 everything has to be 100 % accurate. 

Accounts : Syncb/ Care CreditXXXX 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 2021-03-18
Company: Experian Information Solutions Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Numerous calls that start with a pre-recorded message offering lower interest rates on my XXXX card. Most don't even offer a do not call option, just " press 1 to speak to a credit specialist. '' When I then tell the specialist that I do not have a XXXX card, they then say that it works for Visa, Mastercard or XXXX. They usually make some reference to my good payment history as reported by Experian. When I try to tell them I just want to find a way to make the calls stop they hang up on me. 

The last call was from XXXX at XXXX XXXX XXXX XXXX When I try to dial that number back, it says ( as usual ) that this number has been disconnected.

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have never been late with this account and have been diligently making my monthly payments. Therefore, it is unacceptable to see a late payment reported on my account. I kindly request that this late payment be removed from my account as soon as possible. Please refer to the attached documents for verification.

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX  and XXXX  account is closed it is being reported as open as of around XXXXXXXX  i have disputed this with transunion and they refuse to fix it it has damaged my report tremendously XXXX  XXXX  report this as closed account as has been for over 6 almost 7 years

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 2023-05-23
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2019-09-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing supposedly took over the Servicing of a purported mortgage in my name around XX/XX/XXXX. Select Portfolio Servicing ( SPS ) misled me by telling me I had to miss three consecutive monthly mortgage payments to be eligible for a loan modification after my monthly payments more than doubled and the housing crisis caused the value of my home to plummet to less than the amount I purchased the home for. Despite numerous applications for a loan modification, demands to see the wet ink note under MA law, attempts to resume monthly payments, Appeals, and more, I was put through such a nightmare of constantly submitting, resubmitting documents, dual tracking, unfair debt collection practices, and an unlawful foreclosure auction held on XX/XX/XXXX.on my  property. SPS is a debt collector unable to foreclose on property. They are not licensed in MA, They have foreclosed on numerous properties in MA and are still in the process of foreclosing on other properties. They represented themselves to me as a servicer for a purported mortgage in my name held by XXXX XXXX, yet XXXX XXXX, XXXX. has no records of me. My original mortgage was two subprime mortgages with XXXX XXXX XXXX   100 % of the purchase price of the property with adjustable rate mortgages. One, with a  balloon payment, which was not explained to me. XXXX XXXX XXXX XXXX went out of business around XX/XX/XXXX. Supposedly, my mortgage was transferred to XXXX XXXX, as trustee for XXXX XXXX XXXX, as mortgage backed securities XXXX without my consent. The recordings at my local Registry of Deeds on the transfer of assignments are signed fraudulently by known robosigners and are self-serving. These records are now being used against me in a Court of Law to obtain possession of my home and evict me. I am a XXXX widow trying to defend myself in a Summary Process eviction attempt. The XXXX and intentional infliction of XXXX XXXX thats been inflicted on me by Select Portfolio Servicing has created severe health problems for me causing me to miss Court deadlines and hearings. There are numerous issues of law involved including contract law, unfair debt collection practices, illegal securitization, illegal foreclosure and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to express my deep concern and frustration regarding the presence of fraudulent items on my credit report that have not been adequately addressed despite multiple attempts to rectify the situation. I have taken every possible step to have these inaccurate and damaging entries removed from my credit report, but my efforts have thus far proven unsuccessful. This ongoing issue has had severe consequences on my financial well-being and is causing undue stress and hardship. 

I have followed the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ) in disputing these fraudulent items, and I have provided all necessary documentation to support my claims. However, despite my best efforts, these inaccuracies persist on my credit report, which has adversely affected my ability to secure loans, obtain favorable interest rates, and even pursue certain employment opportunities. 

I kindly request that you conduct a thorough investigation into this matter and promptly remove the fraudulent items from my credit report. Additionally, I urge you to take necessary steps to prevent the reoccurrence of such inaccuracies on my report in the future. 

I am willing to cooperate fully and provide any additional information required to resolve this issue promptly. I expect a written response from your agency within 30 days of receiving this letter, as required by the FCRA, confirming the removal of the fraudulent items from my credit report. 

Failure to address this issue in a timely and satisfactory manner will leave me with no choice but to pursue legal remedies available to me under the FCRA and other applicable laws. Kindly assist me to remove the following fraudulent items : XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$2200.00} XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXX Unpaid Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX, XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXX Unpaid Balance : {$1000.00} XXXX XXXX  XX/XX/2023.

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 2023-03-30
Company: U.S. BANCORP
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ive been a depositor with US bank for over 10 years. I moved to XXXX, Wyoming over 2 years ago. On XX/XX/XXXX XXXXXXXX XXXX XXXX issued me some blank checks to use for a balance transfer at XXXX percent interest for 10 months. I deposited one of those checks in the amount of {$10000.00} into my US Bank checking account to pay down 2 large interest bearing credit cards. After the check had cleared and the 2 payments cleared, US Bank decided to reverse the XXXXXXXX XXXX and reverse the 2 payments to my 2 credit card companies and close my account for Suspicious Activity. They also kept my last auto deposit from my employer dated XX/XX/2023 and caused me considerable hardship. They finally issued me a check on XX/XX/XXXX. I had to borrow money to pay my mortgage on time and to make a car payment on time. I have 3 auto deposits going into my US Bank checking account each month, 2 from my employer and 1 from Social Security. My checking transactions are pretty much the same each month, no unusual activity. Using bill pay I pay my mortgage, utilities, car payment and credit card debts. The only difference this month was the {$10000.00} deposit from a reputable financial institution. The treachery of this act has caused me to reconsider leaving my money in any bank. Now I keep all my money safe at home. Recalling how the prime minister in XXXX had frozen the assets of the truck drivers who protested the unlawful vaccine mandate, I thought at the time that this could happen here in America too. But I didnt think it could happen to me. And since it happened to me, then it could happen to anyone. It is a sad day in America when a bank can commit such an egregious act against a law abiding citizen.

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 2021-06-15
Company: JPMORGAN CHASE & CO.
State: FL
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:
Chase credit card services is refusing to close a fraudulent charge claim.represenatives claim theyre investigating but refuse to release details that I'm entitled too.a 5 minute call should be all it takes to finalize my claim.this bank has not protected me from a fraudulent charge.ive made numerous complaints all that's left is for me to seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: American Collections Enterprise, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
last calls were today, I received five calls. They are attempting to collect a debt my son owes. My son doesn't live here. He's XXXX and qualified and applied for the emergency room charges at the hospital and they approved him. For some reason this group refuses to STOP calling me. I could only select one option and that was repeated calls, but they call before XXXX and as late as XXXX. They have been calling for several months now. Prior to this I received collection letters and I had to repeatedly return them and clearly wrote NOT AT THIS ADDRESS to no avail. I tried call the number they call me on, it answers, tells you to wait, cycles back over and over and finally disconnects. There's no way for me to block them on my cell phone either. This never was my son 's phone number, it was an emergency contact ( mom ) number. Please make them pay a fine or something, they are really aggressive and crossing the line over and over. I am on the do not call registry too, however I know that may not involve this case.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 a credit report and saw information that was not mine with inquiries that I never made

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 2022-10-27
Company: Experian Information Solutions 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:
I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA. I have kept all records of my communications with you, including the letters I have sent, proof of your receipt of the letters, and evidence of your noncompliance. It has been over 45 days since your receipt of my original request to investigate the remove the following accounts, and you have failed to comply with the FCRA. I ask that you remove the following unauthorized inquiries that remains on my credit report. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation.I DO NOT CONSENT TO E-OSCAR FOR VERIFICATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: JPMORGAN CHASE & CO.
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The vehicle in question was purchased and financed on XX/XX/2013 by JPMCB and was repossessed in the state of North Dakota and sold by an unknown company on an unknown date. I was not notified about any of the above. I wasnt served certified or notified of any of the information. My credit report states it was an involuntary repossession with {$9300.00} owed Under the laws of North Dakota and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I have not received proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL The alleged claim of a deficiency should be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports should be considered a violation of the FDCPA and FCRA. In addition, they have singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. Furthermore, at no point in time and under no circumstances is this company ; an employee of your company ; a representative for this company or affiliates to contact me or any family members by any means other than the US mail system. 

The alleged claim of a deficiency should be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports should be considered a violation of the FDCPA and FCRA. 

In addition, they have singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. 

Furthermore, at no point in time and under no circumstances is this company ; an employee of your company ; a representative for this company or affiliates to contact me or any family members by any means other than the US mail system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: FL
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 writing to formally dispute the late payment entries on my credit report related to the following accounts : Account name : XXXX Account Number : XXXX I have identified several violations of the Fair Credit Reporting Act ( FCRA ) that pertain to these late payment entries : 1. Violation of 15 USC 1681a : These transactions and experiences should be excluded from my credit report as they involve interactions between the creditor and myself, and they should not be reported.

2. Violation of 15 USC 1666B : The creditor did not send me a statement within 21 days of my payment, which constitutes a billing error. Consequently, reporting these payments as late is inaccurate and a violation of my rights.

3. Violation of 15 USC 1681b : I have not given written permission for the reporting of these accounts to my consumer report. This is a violation of FCRA, which requires consent for such reporting.

Furthermore, FCRA mandates maximum accuracy in a consumer report according to 15 USC 1681e ( b ). The late payment entries on my credit report do not accurately reflect my payment history.

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 2018-12-05
Company: Experian Information Solutions Inc.
State: MD
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:
I have provided the Credit Reporting Companies with the proper documentation to remove items from my XXXX, XXXX  and Experian Credit Reports. I have sent them several letters regarding this issue and they continue to ignore my correspondence and take the appropriate action regarding XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I have provided them copies of returned mail, that proves that the information that these companies have provided on my report are false information and thus should be removed from my credit report. I have also provided them information that some or all of these accounts are not valid and proof that the companies could not validate the accounts. The companies provide copies of statements which is not validation of the debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.

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