BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-07
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 TransUnion received a letter from myself stating to investigate some accounts that were closed on my credit but since as of now XX/XX/2020 I have not received any conformation of them to if they had been removed or cleared from my credit report. So on XX/XX/XXXX they received another from myself stating that they have not cleared anything and have not gotten any response from them within the 30 days that was stated on the letter and it was a violation on the 1629e ( 8 ) debt collection practice act. 

I up to this date have not heard any response from them at all.

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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXL Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or 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 non-monetary relief
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX Have violated my rights Due to the fact that they have misreported multiple things on this account ( XXXX ) which include the wrong account number, and the date opened.Account was previously disputed and nothing was done according to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX XXXX and XXXX Have violated my rights due to the fact it has been already 30 days

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 2023-03-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, 2023, I received a statement for my mortgage for the upcoming XXXX XXXX 2023 payment, and it incorrectly reflects what I am supposed to owe. I have a fixed rate mortgage and there is NO ESCROW on my account. I have told the company about this and they have not properly fixed my account since they purchased it in XXXX. Even though I have paid them the proper amount exactly on time every month, for some reason this month they are charging me {$74.00} extra for " escrow '' fees which I don't have. At this point I feel as though I am getting harassed by attempts to get me to default on my loan. This company also doesn't allow me to submit for auto-payments which again feels like an attempt to get me to miss a payment. 

My fee due for XXXX should be the same as this past XXXX, XXXX, XXXX, XXXX, and XXXX. Its simple. 

Also, the statement says there is a negative {$890.00} in my Escrow Balance. I have no escrow so that should be {$0.00}. There has never been one. I pay my taxes independently and property insurance independently. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
PER 15 USC 1681B THE BUREAUS ARE BREAKING THE LAW BY FURNISHING FALSE/WRONG INFORMATION ON MY CREDIT FILE. THE ACCOUNTS ARE NOT MINE AND THEY WERE A RESULT OF IDENTITY FRAUD/THEFT. XXXX WAS THE ONLY COMPANY THAT WAS ABLE TO VERIFY THAT THESE ACCOUNTS ARE INDEED FRAUD SO EQUIFAX AND XXXX NEED TO GET WITH THE PROGRAM AND PROPERLY INVESTIGATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is a pending investigation into XXXX Uiversity for fraudulent practices. My XXXX federal loans have been pulled from my bureau reports until a resolution to the matter is found, but my private student loan -which is the bulk of the loans taken out for the school-still remains on my bureau report. I have called XXXX multiple times, but anything beyond the status of a loan goes unanswered. When I ask to speak to a supervisor, I'm " transferred '' and hung up on.

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 2023-02-17
Company: BHA Services
State: NY
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:
On XX/XX/23 I received a text message from phone number XXXX. The message indicated XXXX XXXX from BHA Services was contacting me about a debt. I texted back with a message not to text my number anymore. The person texted back and asked if they were speaking to XXXX XXXX. I texted back and stated again not to text my phone number and the next time I would file an official complaint. The person texted back again and asked if they were speaking to XXXX XXXX. I texted back to let the person know I'd now be filing a complaint. The person texted me back again and asked if they were speaking to XXXX XXXX. I attached a screenshot of the conversation.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act The following 3 Consumers Listed below Have Violated my Rights under the following laws listed below 15 U.S.C 1681 section 602 A. States I Have A Right To Privacy. 15 U.S.C 1681 Section 604 A Section 2 Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions ( 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 non-monetary relief
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: NE
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:
An old address appears on my Experian Credit Report that does not appear on my XXXX, or XXXX. I have disputed the error numerous of times and Experian refuses to remove it because it identifies with a couple collections account that I also am disputing that aren't mine. I have filed complaints with CFPB about this matter in the past and Experian is still aren't cooperating to remove the accounts and address that isn't mine. From my research Experian is in the mist of an Class A Action Lawsuit because of the same thing that I am submitting an complaint about today.

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 2023-01-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX I sold my house located at XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
The mortgage bank was Select Portfolio Servicing, Inc ( SPS ), Account Number XXXX. My mortgage has an escrow account with a balance of {$1100.00} to my favor. SPS made a mistake and sent the check to the address of the house that I sold at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, instead of sending the check to the forwarding address on file. For this mistake, I did not receive the check. I called several times SPS during XXXX and XXXX asking for my check. On XX/XX/XXXX SPS sent me a letter saying that they were in the process of reissuing the check. Several months passed and I did not receive the payment. On XX/XX/XXXX I called SPS again and they said that they will mail check in the next 30 days. On XX/XX/XXXX I called SPS again and they repeated the same thing, that they were going to send check in the next 30 days. It is XX/XX/XXXX and I have not received the check. It is simply unacceptable that after 26 months I have not received my money from the escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After reviewing my credit report, I noticed a series of inaccuracies on an account. ( XXXXXXXX XXXX ) I have disputed this account as inaccurate with XXXX, Equifax, and XXXX on numerous occasions demanding they do a proper investigation into the facts of the account information and it always comes back verified. How are they verifying this when the open date is different on all three reports, as well as the payment/collection/charge off dates? 
I have demanded that this account be removed due to the inaccuracies and unfairness of the report. This item is interfering with my ability to obtain housing due to it being reported as a rental. I have no knowledge of ever having a rental with this company. According to the FCRA, reports need to be 100 % accurate across all three bureaus. this is a direct violation of the law. 

Furthermore, my rights have been violated under 15 U.S.C. 1681 sec.602 ( a ) states that I have the right to privacy., and 15 U.S.C. 1681 section 604 that also states that a consumer reporting agency may not furnish an account without my written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This collection is being reported by  Fair Collections and Outsourcings on my wife and I 's credit report. This began as a fraudulent charged from its outset. My wife and I were ch arged by an apartment complex  (   XXXX   XXXX ,  XXXX , TX  )  {$170.00} for " cleaning and resurfacing '' after we left in late  XXXX   XXXX . When we left, the apartment as clean as it could be without actually hiring a cleaning service. The only cleaning that was n't done was dusting the top of the refrigerator because my wife could not reach that portion, and I was at work. We asked the apartment complex ( run by  XXXX   XXXX   ) t o provide proof as to why we owed this amount and they never did so. We also notified the complex that one of the countertops was not maintained properly before we moved in. We put in multiple maintenance requests that were never completed. After no proof was provided by the apartment complex, we refused to pay. After only one month of owing the reported balance, the apartment complex sent the amount to collections, held by  FCO , on  XXXX   XXXX ,  XXXX . After a few years of reporting to our credit, we decided to dispute the debt. FCO sent back a picture of the original bill stating the debt was verified but no actual proof as to why we owed that amount. We ended up settling the debt in  XXXX   XXXX , with the impression that the debt would just be cleared but it was n't, and we 'd like them to be removed from our credit report.

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 2020-08-07
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I claimed chapter XXXX bankruptcy in XXXX of XXXX and has been discharged already, and still says open on credit report. Also XXXX credit report shouldnt it fall off after 5 years for a chapter XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I bought a plane tickets using XXXX XXXX XXXX. I got sick and cancelled the flight. I had an insurance provided by a Chase Sapphire credit card. I went to the doctor and have a doctor notes confirming my sickness and clearly stating what conditions I had. I submitted an insurance claim. Until now I did not get my points back and it is already an 8 month insurance company keep asking me for new things which I keep sending them, however no meter what I had provided it is not enough for them. I am very disappointed with how Chase sapphire handling this situation and I feel that insurance on the card is simply a ripoff and a fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: VW Credit
State: TN
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:
I went to Volkswagen of XXXX XXXXXXXX to purchase a vehicle and satisfy the entire price of the vehicle via a consumer credit transaction pursuant to the Truth In Lending Act. During that same date agents belonging to Volkswagen of XXXX XXXX made material presentments and furnished deceptive forms as to nature of the contract when they presented me a " credit application account # XXXX " with the intent of utilizing the par value in conjunction with my signature on the application as a draft to create new money on their accounts which satisfied the purchasing order and the finance charge which is the sum of all payments pursuant to15 U.S.Code 1605 ( a ) for the XXXX XXXX XXXX XXXX causing deceit of the nature of the agreement in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits unfair or deceptive acts or practices in or affecting commerce. because they extorted me to compel to perform for payment that was already satisfied. The contract being void ab initio because of the fraud performed. Therefore there is no agreement of the debt neither did VW Credit have the right to assume anymore a debt wherefore collection could be made. VW Credit Inc further harmed my estate, damaged my marriage by way of my reputation, and committed theft against me by way of taking my vehicle ( XXXX XXXX XXXX XXXX vin # XXXX ) by way of their self described " reposession '' and engaged in human trafficking pursuant to ( 22 U.S.C. 7102 ( 11 ) ( A ) ) of my XXXX XXXX Person, and violated my right to privacy pursuant to 15 U.S.Code 1692 ( a ) when they trafficked my person to multiple " Credit Reporting Agencies '' for profit such as XXXX, XXXX, and XXXX see proof attached in the next document labeled attachments XXXX, and XXXX. Please see full attachment of the correspondence via the mail that I gave to VW Credit Inc labeled attachment # XXXX on the date XX/XX/XXXX CERTIFIED MAIL, RETURN RECEIPT REQUESTED # XXXX XXXX XXXX XXXX XXXX, and Attachment # XXXX XX/XX/XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXXXXXX XXXX is falsely reporting a credit card in my name on my credit report with an open date of XX/XX/XXXX with a charged off amount of $ XXXX reporting XX/XX/XXXX. I disputed the account first with XXXX XXXX, my long time Bank back in XXXX of XXXX and also disputed the false reporting with XXXX, Equifax and XXXX in XX/XX/XXXX. After an initial denial of my dispute, my research led me to discover my rights being violated in accordance with the Fair Credit Reporting Act 15 U.S.C. Sec. 1681i ( a ) If there is no proof delete item. This false reporting has also violated my rights in accordance with 15 U.S.C. 1681 section 602 I have a right to privacy and section 604 A consumer Agency can not furnish an account without my written instructions. No proper investigation occurred which is a violation of my rights in these acts. I have been trying to get this off my credit reports for 6 months now and this false reporting has made it impossible for me to obtain loans or financing to care properly for my family and myself. I have sent three letters to XXXX XXXX, called on the phone and have disputed the account to the credit reporting agencies, with XXXX letters and online disputes through each agency as well. It has been a frustrating experience to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act these companies have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 USC 1681 Section 602 states I have a right to privacy.15 USC 1681 states a Consumer Reporting Agency can not furnish an account without my written permission.

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 2023-05-02
Company: Experian Information Solutions Inc.
State: NC
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:
Please provide documentation that the following accounts are listed on my credit report. Otherwise please correct these damaging data immediately. 
XXXX XXXX XXXX : {$460.00}, XXXX XXXX XXXX : {$0.00}

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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion are reporting the lowest possible score to banks and lenders. Such as words like derogatory, garnishment, repossession, too many delinquent accounts. None of which is true. 
No garnishments No delinquency No reposession They boldly highlight a bankruptcy that was result of fraud by XXXX causing extreme financial stress. 

They continue to show Government Residences year after year as a debt owed when they owe me!!! Must be removed immediately. My bank denied me credit as a result of this malicious and inaccurate report My credit score with XXXX is almostvXXXX a dc with Transunion only XXXX!!!!! This needs to be corrected right away. They are showing the worst report to lenders with inaccurate information about me!!!! Has ton stop!!!

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 2023-03-26
Company: Block, Inc.
State: KY
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:
I am being charged an XXXX amount every month for {$10.00}, I do not have an XXXX  nor do I have an XXXX account. I addressed this with customer service, they denied my refund on XX/XX/2023, I have accrued 4 new charges since this date, for a current total of {$42.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: Experian Information Solutions Inc.
State: LA
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:
Showing XXXX XXXX XXXX account from over 8 years ago on credit report showing I owe a balance

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