BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 
15 U.S Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted.

from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new checking account with XXXX online in XX/XX/2020 and made an electronic deposit for {$1500.00} from my XXXX checking account. They collected the funds then immediately froze my online Chase account for suspected fraud. When I called they verified my customer information including my existing user ID with Chase and unfroze the online account. They advised that regardless of my verification, the new checking account was going to be closed and the money I deposited electronically was being returned to my XXXX account. That was totally false as Chase gladly collected funds and kept my money. I have had a relationship with Chase for many years with Chase credit cards. This account should have not been close for fraud. They did not give me an opportunity to resolve this as I took action right away when I noticed my online ID was frozen. I did not receive notification by mail or any notification of where my funds were or how I could get my money back. When I called Chase they refused to send me a refund of my money and would not let me send in proof of my identification to verify. This new account was opened by me and should have not been closed as it was valid. I tried to take advantage of a {$200.00} new account offer and it was forfeited due to negligence of Chase. Four months later I was advised I had to go in person to a branch during a pandemic. I was advised when I go in a branch and show my identification the check will be mailed within a few days.I am XXXX years old and this caused hardship hardship for me and my family. On XX/XX/XXXX I went into the branch and they verified my I.D . but they would not give me my money in the branch. They told me the check would be mailed. It has been over 10 days and I have still not received my refund check. Chase is deceitful and Chase should be penalized for their poor business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: MD
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:
All three credit reporting agencies ( XXXX, Equifax, and XXXX ) have not been abiding by the FCRA. I would assume that since they are not a government agency and their services are not required by law, they would be more careful to not make such enormous mistakes. For one, they have been sharing my identification information to a number of corporations without my consent. No consent is identity theft which is a crime pursuant to 18 USC 1028A ( a ) ( 1 ). As well as 15 USC 1681q. It is also considered to be fraud. Pursuant to 15 USC 1681c ( a ) ( 4 ), a consumer report is not supposed to contain accounts placed for collection or any adverse item or information. Everything they have on the consumer reports are not verified information and were not disclosed to me before reporting this fraudulent information to my credit report causing harm to my reputation. They have no right to furnish any consumer report without my written instructions pursuant to 15 USC1681b ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$640.00}

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 2020-04-05
Company: John C. Heath, Attorney at Law, PLLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I initially went to a website looking for a USDA loan, I think I ended up on a scam site.. the lady told me that I should first setup to repair my credit, and then they would help me get in a home. So after i ended the call with Lexington law, i thought they would transfer me back to who transferred me there, but the call ended and I was never transferred back to the USDA loans rep. 
So I thought things were fishy from the beginning. I called in after i made my first payment and expressed my concern that i was being scammed, ( in that they were taking my money and not really doing anything ), They told me I had to wait for the items to come off, I told them that I do not want to pay for no action. So i made another payment. 
Because of the covid-19 epidemic and still no results of removing anything from my credit report, i called them on or before XX/XX/XXXX to have my account terminated because i felt I was being scammed, and I specifically said that. They said OK, no problem and sent me a confirmation of cancellation to my email which I can provide all email correspondence when requested. 
These guys are awful! I disputed my last transaction, and after seeing the lawsuit already against them, i went ahead and had all of them disputed. If you need anything at all please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection notice via usps mail from XXXX XXXX XXXX , XXXX. ( MCM ( XX/XX/2018 ) The original credititor is XXXX XXXX, original Acct num-XXXX. The MCM acct num is XXXX, the current balance is {$320.00}, the current owner is XXXX XXXX XXXX. I have neither received nor applied for credit from either of theses companies. I contacted MCM on XX/XX/2018 @ XXXX. The representative stated that the original creditor is XXXX. I have neither received nor applied for credit from this company either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: TX
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:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this 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 2020-04-05
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase bank placed a 12 day hold on a check written to me from my own spouse. The check has cleared my spouses account ( I asked them to verify and to show them proof ). They will no respond to any of my customer service requests or calls with hold times or about 2 hours. 

I cant access my money during a pandemic. This hold time is outrageous. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions 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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent a letter regarding inaccurate or unknown items on my credit report. To this day over 35 days later I have not received a response yet. these accounts remain on my credit profile unverified and falsely reporting inaccurate information ultimately tarnishing my reputation. I consider this to be harassment and unjust. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items and supply original creditor information within 30 days gives reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong hands,

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 2023-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
IVE BEN A VICTIAM OF IDENTFY THEFIET AND HAVE BEN IN THE PROCCESE OF DISPUTING AND RESLOVING THESES PROCCCES OF UNAUTHERIZD TRANSTIONS THAT HAVE BENN CHARGED TO THIS ACCOUNT HOW EVER THERE HAS BEN A MINOR SET BACK WITCH HAD KEPT US FROM MOVING FWORD WITH THE NEXT SET IN PROCCES IVE FILED A FINAL HARD SHIP DUE TO THE FACT THAT I HAVE A 3 DAY NOT ICED AND IT HAS NOT BEN TOOKEN IN TO CONSIDERATIORN OR BEN IMPLENTED ON THIS CASE PLESE

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 2023-07-26
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Reporting company used your report improperly

Complaint:
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal house purposes, and is cause actual damages. 

According to FDCPA 1006.30A/New Rule REGULATION F and its new rule by parking this alleged debt on my consumer reports. 

I am reaching out to XXXX in regards to this account and I am receiving vague communication and was emailed a letter on XX/XX/2023 stating they received information that " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 

This letter is in response to your recent claim that Portfolio  Account # : XXXX / PORTFOLIO RC Account # : XXXX has verified that the account they are reporting under my name is accurate. I noticed on my Consumer Report that this company is reporting this account TWICE under two different names, one is named Portfolio and the other is called Portfolio RC.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I couldnt find a category that bests fits the situation, I have included details : The same debt is reporting on my credit report twice. 

There are two entries as detailed below. 
the original creditor is XXXX in the amount of {$300.00}. 

XXXX sold the debt to Convergent Outsourcing to collect. 
I did take a ding for this on my credit. 

Additionally, XXXX XXXX is now reporting on the same debt, which I took a second hit for on my credit. 

I did speak with both to ensure this is the same debt from the XXXX. 

It is my understanding that a debt collector must delete their reported collection if their collection authority has been terminated with the debt remaining unpaid.

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: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates filed a Summons And Complaint against me. The complaint stated I owed them {$670.00}. The case number is XXXX in the XXXX Judicial Circuit Court located in XXXX, MI. 
During pretrial the lawyer representing the law firm attempted to use computer generated statements and I stated they were hearsay. The lawyer then produced an affidavit.I can not remember the Affiant 's name. I asked the plaintiff ( PRA ) if I could question the affiant and also requested the original assignment agreement between the original creditor and PRA. 
The judge allowed it and set a trial dated. Shortly thereafter I received a dismissal filed by PRA. 
My complaint is this. They dismissed the case because I believe they did not have the legal right to sue for the full amount. Which is why I asked for the ORIGINAL assignment agreement. This agreement typically says how much the assignee can sue for. Never the full amount. PRA is still reporting this on my credit reports. I believe this a violation of The Fair Credit Reporting Act. 
I also believe their Affidavit process needs be investigated. In 2010 they had an employee signing a deceased woman 's name ( XXXX XXXX ) and had been for over 15 years.When the person who signed the affidavit was questioned. She stated that they signed so many affidavits she didn't think anyone would notice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: TN
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 
5. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
9. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
10. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2020-04-05
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I recently found an escrow refund check from Ditech Financial LLC ( loan number XXXX ). The check is from XX/XX/XXXX. My bank would not accept the check ( check has no expiration date but my bank said it is stale ). I called Ditech on XX/XX/XXXX and customer service rep said they would reissue. Customer service rep said I should get check in 10 business days. I waited 15 days and no new check. I called back and Ditechs number is no longer working. I found a different number and called and twice they said they would look in to the check and get back to me but they didnt. The check is for {$1100.00} so it is not a small amount of money. Is my money gone?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: NAVY FEDERAL CREDIT UNION
State: WI
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation