BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: NC
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 not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023 & XXXX Date of Inquiry 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 explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXXXXXX Balance : {$14000.00} 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 2020-04-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: HI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX fraudulently mishandled my existing mortgage by failing to service my Mortgage Modification by intentionally delaying process of up to 3 years, and unethical tactics, therefore breaching mortgage agreement. They did NOT possess my Deed to make such a collection. They later sold debt to Carrington Mortgage who is a Debt Collector. XXXX XXXX assisted me with letters confirming debt to both XXXX XXXX XXXX and Carrington Mortgage. XXXX XXXX XXXX responded with, " needed more information '', could not locate by account number? Carrington Mortgage could NOT produce deed to property and no signed legal document possessing mortgage. 

I have NO SIGNED LEGAL DOCUMENTS with Carrington Mortgage of this debt. 
They DO NOT HAVE my DEED to my property. 
I am under NO OBLIGATION to Carrington Mortgage or XXXX XXXX XXXX who created fraud in 2008, which null and voided any and all obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: GA
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:
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.

has violated my rights. Or a list of inquiries : 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 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 2023-06-03
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CFPB- I mailed letters to XXXX XXXX XXXX XXXX and XXXX XXXX XX/XX/2023 requesting that they all remove late payments from my consumer credit report as this information is listed in violation of the following consumer credit protection laws : 15 USC 1681 Section 602 which states that I have the right to privacy 15 USC 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written consent. *15 USC 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for purpose. In addition, I requested proof of how information regarding the listed bankruptcy was furnished and have not received a response from any of the bureaus. The listed information is in direct violation of my consumer protection rights as I have never authorized them to list this information and contacted the XXXX county court listed on my credit reports and was informed that this information was never supplied to any consumer reporting agencies 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 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$87.00} XXXXI XXXX {$290.00} XXXX XXXX XXXX {$720.00} XXXX XXXX  XXXX {$110.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$670.00} XXXX XXXX   XXXX {$220.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$23.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: EQUIFAX, INC.
State: KY
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 received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are  unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. 
Inquiry : XXXX Date of Inquiry : XX/XX/2018 Inquiry : XXXXDate of Inquiry : XX/XX/2018 Inquiry : XXXXDate of Inquiry : XX/XX/2018 Inquiry : XXXXDate of Inquiry : XX/XX/2018 Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/2018 Inquiry : XXXXDate of Inquiry : XX/XX/2018 XXXX XXXXDate of Inquiry : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX employees and/or JP Morgan employees that share that failed JP Morgan/Amazon Visa card continue to call and request I return their calls. That isn't going to happen, ever. Also I received a statement dated XX/XX/23 on XX/XX/23 demanding payment on XX/XX/23 for {$25.00} ; a sum of money more than previously known to be alleged as owing. All this while the Company 's response is in progress '' and XXXX XXXX of JP Morgan assured me when she was done reviewing my 53 pages of evidence that surely calls into question the assertions by XXXX of delivery by USPS when I couldn't even get mail let alone a parcel that the independent contractor [ a rural usps bid on route ] would have to lift and carry it nuts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04
Company: Client Services, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This collection agent continues to call even though whoever they are trying to contact does not live here. I have called the company and was told they would stop calling. They call every single day!!!!! I cant get them to stop. The agency is Client Services Inc and the number they want me to call is XXXX. That is where I called and told them to stop calling as the person they are trying to reach does not live here. They have called at least daily for a week since I told them to stop.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Experian Information Solutions Inc.
State: FL
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:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payments or account. You are reported totally different or missing information on my XXXX XXXX XXXX account.

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 2017-06-17
Company: ERC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had an account with XXXX for internet services While living in my RV at an RV resort during my move from one state to another. I moved the RV to family estate property and contacted XXXX about the move and asked to transfer services to the new living area. I continued to pay on the account as usual without fail and on time. Then XXXX tells me I owe and an account was delinquent. We ( XXXX and I ) on a phone conversation discover that XXXX created a second account instead of transferring the already existing account to the new town I moved to. Not my fault, not my error. Due to the mishandling of account and poor service quality I terminated my business with XXXX. The one account was paid in full and there was no issue there but XXXX put the account they erroneously made into collections. An account I never used nor had knowledge of. They then wrote off the account and sold it to debt collectors. Not ONE but TWO. XXXX XXXX and ERC ( enhanced recovery company? ) Both reported the negative information on my credit report AND for different amounts. {$120.00} for ERC and {$160.00} for XXXX. I disputed them when I discovered them and the credit burrows had it removed as it was duplicate. That was XX/XX/XXXX. On this day XX/XX/XXXX I get a letter from ERC now asking for {$590.00} or they will report it AGAIN on the credit report. <P/>If XXXX wrote it off and sold it to a debt collector why are there two collectors reporting different amounts and how can a debt collector report a bogus claim multiple times? <P/>What is going on here? How is this kind of extortion allowed to take place? How can one item be allowed to be reported multiple times? As a 23yr XXXX XXXX veteran this is what I worked for? So a company that created an error can tell me to pay for a service not used under an account I never knew existed and then it gets reported to multiple debt collectors which in turn hit my credit report multiple times for the exact same thing that should n't exist in the first place?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I refinanced my home mortgage in XX/XX/XXXX. The mortgage was with XXXX. 
They financed {$100000.00} & my home was only worth around {$50000.00} at that time & I only owed {$35000.00}. They said I could use extra money for whatever I needed it for. I have made monthly payments of {$840.00} since XX/XX/XXXX. I have repaid over {$120000.00} on this mortgage loan & it will not be paid of until XXXX. In XX/XX/XXXX XXXX sold the mortgage to Rushmore Loan Management Services. I have an interest rate of 9.6 % & the balance on the loan is {$89000.00}. I have tried to do something through the HARP program, but was told my mortgage did not qualify because it was not a XXXX XXXX or XXXX XXXX. Just wanted to know if there is anything I can do to get my interest rate lower so that I can pay of my mortgage in my lifetime. I am XXXX years old & married. My wife is currently going through XXXX treatment for XXXX XXXX. 
Any advise would be appreciated. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hello, I was scammed by a car dealer. I made a transfer for the purchase of a XXXX XXXX car from the USA on XX/XX/2023. from XXXX, the office of XXXX in XXXX. After sending {$3000.00} to XXXX XXXX XXXX XXXX XXXX they sent me an invoice that is missing the VIN number and engine number, shipping document and tracking number. Kindly track your shipment : XXXX XXXX XXXXXXXX Tracking number : XXXX They asked me to transfer another {$1700.00} to them for insurance and other expenses. In XXXX  they are under the name XXXX XXXX, and I was chatting with XXXX XXXX. 
I sent a request for the return of the transfer from my bank XXXX XXXX XXXX but so far there is no response from JP Morgan Chase Bank . 
I would appreciate it if you look into this case and find out who is behind this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

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 2023-04-21
Company: Experian Information Solutions Inc.
State: NJ
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 was on my experian credit file then I saw that my credit had decreased from a XXXX to XXXX so immediately i called experian an spoke with somebody and they said that I had a negative report on my account. I asked where is that coming from and they said from XXXX XXXX XXXX then i immediately hung up and contacted XXXX XXXX XXXX on XX/XX/XXXX. The amount was {$680.00} and they said it was from XXXX XXXX XXXX and They offered me to pay {$250.00} and said it would be marked as paid in full and removed from my credit. I also requested for proof of the receipt that said it would be marked paid in full, when I didnt get the receipt I made another call to them and they sent me the receipt which is attached. I disputed it with experian about 2-3 times already then experian was twlling me that the account is valid and I never made any payment. XXXX XXXX also said I never made a payment so I contacted them again and asked what are they talking about and they asked me to send proof to them which I emailed to them. They still told me they never received my payment and I was going back and forth with them and experian. Experian took my dispute and as of today XX/XX/2023 its still coming back as the account is valid and i never made any payment.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX, XXXX, Transunion, have been reporting incorrect items on my credit which my family and I tremendous turmoil and hardship. I have submitted a total of 3 letter disputing the issue including submitting court documents reassuring my claims to no vial. 
enclosed, please find letters with supporting documents previously sent to the companies above.

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit profile. 

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for a removal they also violated my rights. 

15. U.S.C 1681 section 602 A. States I have 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 written instructions. 

Also the credit bureau took more than 30days to complete my investigation here is my certified mail tracking 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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/2013 Account Status Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was not aware that XXXX XXXX has me listed as an authorized user on this account. This account belongs to family member and I or the owner of account was not aware that I was listed on the account. I want the account removed from all three credit bureaus.

Company response to consumer: Closed with non-monetary relief