BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to 3 Credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means 3 credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX {$150000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00}, XXXX XXXX XXXX Date XXXX Balance Owed : {$1800.00}XXXX XXXX XXXXXXXX Date Reported : XX/XX/XXXX Balance Owed : {$18000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$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 non-monetary relief
Consumer complaint received 2021-04-13
Company: Experian Information Solutions Inc.
State: MI
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:
Sent several certified letters to verify accounts that supposedly belong to them and they came back stating they investigated them but they couldnt have because none of these companies have not sent verification documentation to me. However, they did state they will not investigate anymore after I submitted certified proof. I feel like they have not done their job and violated my rights. The credit company nor the collection companies.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-23
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was paying my monthly mortgage for XX/XX/XXXX. The normal monthly bill was {$2000.00}. In XXXX it showed I owned {$3700.00}. I called Mr. Cooper and was told I owe {$12000.00} in taxes and escrow and until its paid, my mortgage will be {$3700.00}. 

Mr. Cooper did not properly apply my taxes for escrow for XXXX taxes. My mortgage should have increased to {$2700.00} monthly to cover taxes and escrow. Mr. Cooper did not make the change and I was continuing to pay {$2000.00} monthly mortgage. 

I did not know and there was no indication from Mr. Cooper that this would happen. I did not receive any notices or explanation for the increase in monthly mortgage {$3700.00}. 

Mr. Cooper but me and my family in a financial hardship that would have easily led to foreclosure of my home. 

I called Mr. Cooper several times over the course of a week after finding out this information and Mr. Cooper 's representatives gave no assistance that would help me pay this very large and exorbitant amount of money. 

If I would have paid Mr. Cooper {$3700.00} a month, I would have incurred fees and interest that would have increased my principle for several years. 

If Mr. Cooper would have taken the time to handle my mortgage properly, I would not be in this position. 

I was forced to obtain a loan to cover the cost for Mr. Coopers oversight of {$12000.00}. I paid to Mr. Cooper along with a {$3700.00} mortgage payment for XX/XX/XXXX. 

Mr. Cooper initially did not apply my {$12000.00} payment to the amount owed for escrow and taxes. Mr. Cooper applied the {$12000.00} payment to my principal, which was completely deceptive on their part because Mr. Cooper was showing I owed them {$12000.00} in back escrow and taxes. 

I have been calling Mr. Cooper to appropriately apply the money so I will not continue to be in the rears and to recalculate my monthly payment so I should be {$2700.00} roughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted CEO and many others electronically without response. ( Attached. ) Non-responses equate to fraud. 

Contacted via two XXXX  handles, # Syncrony and # AskSynchrony without response. 

Synchony Bank is not registered to do business in STATE OF FLORIDA i believe. 

Synchony Bank will not produce tax ID, legal name, or registered agent on repeat demand in bad faith. 

Synchony Bank has perpetrated an identity theft with the credit agencies, we have no lawful contract. Additionally they report two different amounts, another act of fraud. 

We require your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: LEXISNEXIS
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In early XX/XX/XXXX I was informed that my information in LexisNexis databases include the indication " PEP '' ( politically exposed person ). This information potentially affects my business liasons and is incorrect. 

I have been elected as a deputy of Legislative Assembly of XXXX XXXX XXXX XXXX XXXX XXXX in XXXX for a five-year term. 
According to Part 2 Article 3 of the Law of the XXXX XXXX dated XXXX On status of the deputy of Legislative Assembly of XXXX XXXX the term of the powers of a deputy begins on the day of election and ends on the day the the new convocation of the Legislative Assembly of XXXX XXXX. 
Therefore I ceased to be a politically exposed person in XXXX, and have not been involved in any other matters which could qualify me as a political individual then and ever since. In other words, I have not been a politically exposed person for almost ten years, and shall not be classified as such. 

I informed LexisNexis of these facts and requested removal of my PEP status via e-mails and filing of the online forms on LN website ( case XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ), all in vain. To my requests I attached the following documents : passport scan ( for identification ), french residence permit and utility bill ( confurms my address ), legal opinion of XXXX XXXX XXXX XXXX XXXX XXXX ( which confirms the fact that according to the XXXXXXXX XXXX I ceased to be a PEP almost 10 years ago ). 

In the automated replies received from LexisNexis the latter requests the following : " In response to your most recent email received on XX/XX/XXXX, we ask that you contact the LexisNexis Consumer Center at XXXX between the hours of XXXXXXXX XXXX and XXXX XXXX EST, Monday through Friday, and a representative will be happy to assist you. '' I tried to contact LN via phone, but no representative answered. The only answer was a robot requesting a social security number, which I do not have ( for I am not a XXXX XXXX  ). 

To my knowledge my PEP status in LexisNexis databases is still the same. And as a result ( bearing in mind current international political situation ) my business reputation and reputation of my relatives suffers. 

Please assist me in removal of the incorrect information about PEP status od XXXX XXXX from LexisNexis databases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Family Educational Rights and Privacy Act ( FERPA is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary secondary or post-secondary school.

20 USC 1232g ( b )

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 2021-03-23
Company: Experian Information Solutions 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:
Identify theft from XXXX from my taxes, a stolen wallet and more recently the XXXX data breach. As a mother and wife trying to provide better for my family this has been beyond frustrating because I havent been able to help my husband with limited and inaccuracies in my credit file.

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 2020-11-19
Company: EQUIFAX, INC.
State: MS
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 been trying to request to credit bureaus to remove inaccurate report from my credit report but no changes has made. The late payments are still showing up in their monthly report. I was never late on my payments and always paid on time. These inaccurate reports is affecting my job and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: ATG Credit, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ATG Credit called and sent me a letter, to purport I owed {$3800.00} for XXXX XXXX XXXX XXXX  ( which is a lie and also totally preposterous ) of a made up initial debt of {$4000.00} from XX/XX/2018. The Doctors office is XXXX XXXX XXXX ( XXXX ) XXXX I had paid at the time of the test and then my health insurance paid another {$37.00} I NEVER got even one bill from XXXX XXXX in this time, almost 6 years ago. Not one phone call either until a call in XXXX where she tried to get me to make a payment. I never ever heard about this until this phone call.I called XXXX XXXX XXXX  office and they were also shocked. They told me XXXX XXXX has gone bankrupt. 

This is some sort of bizarre collection around the bankruptcy and acquisitions of many failing companies buying each other in a legal mess and making up false charges to try and collect as much as they can from people who don't owe anything from a long long long time ago. You can read about it online. 

It is obviously made up and the most bizarre thing I have ever experienced. Ive had a lot of XXXX XXXX over many decades and no XXXX XXXX XXXX ever costs {$4000.00}! Ive never seen any XXXX XXXX ever cost even as much as {$500.00}. This is common knowledge and common sense. AND Any actual medical bill is sent to the patient to pay a month later, not 6 years later, and it's also not conflated to be ten times what it actually costs. 

I also have never ever had a bill in my life go to collections. I pay all bills that are received and also real. 

So unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: TRANSUNION INTERMEDIATE 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:
Identify theft from XXXX from my taxes, a stolen wallet and more recently the XXXX data breach. As a mother and wife trying to provide better for my family this has been beyond frustrating because I havent been able to help my husband with limited and inaccuracies in my credit file.

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 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit was at XXXX and this company that I just paid off stayed on my credit report so I disputed it! After the dispute, my credit dropped XXXX my credit was rising and I think the system XXXX  me and I'm willing to continue this until others ( that probably look like me ) come forward with the same problems! These agencies are working to keep things looking bad and I want this investigated

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 2018-12-23
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I sent a certified letter to all three credit bureaus requesting them to investigate this closed account which has been closed since XX/XX/17. I asked for them to delete this closed account I also called them and it still is a hindrance on my credit report.This closed account has decreased my credit score, I'm having hardship in my life this closed account has caused me to be denied credit for housing etc. I sent the certified letters over 90 days ago and still nothing from them this violated the FCRA laws that makes the credit bureaus responsible to reply to consumers in a timely manner.

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 2023-09-13
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: Information belongs to someone else

Complaint:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX, XXXX, XXXX XXXX, XXXX, LA XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$360.00} 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 2023-05-03
Company: DISCOVER BANK
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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'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 2023-10-12
Company: EQUIFAX, INC.
State: TX
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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: Their investigation did not fix an error on your report

Complaint:
This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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 2017-05-03
Company: Weinman Acquisition Group
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a phone call/voice mail from  XXXX  at Weinman Acquisition Group, she identified herself as working fo r th  e county,   the voicemail stated there are legal documents pertaining to my social security number that I need to sign and failure to do so would result in a court appearance on my behalf without me being present. I returned the call and they would not tell me what it was pertaining to and they hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is in reference to chase claim number XXXX Fraudulent account with joint tenancy was opened sometimes in XX/XX/2021. Unauthorized transfers from Chase checking account, ending in XXXX were made between XX/XX/2021 to XX/XX/2021, in the total amount of {$140000.00}, to an account opened by fraudsters. Chase bank refused to assist in recover the stolen funds, after police report/identity theft complaints are received, along with the written documents of unauthorized ACH debits are received. Furthermore, Chase bank citing the claim was filed late, even though it's filed on XX/XX/2021, within 60days from the fraudulent transfers, with the most recent transactions in XXXX and XXXX of 2021. As I have no way of accessing the account with the originator, since I'm not listed as account owner or signer, I was advice I have to contact the merchant directly.

Company response to consumer: Closed with explanation