BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XXXX XXXX XXXX XXXX and Transunion responded to my complaint that I filed with the CFPB regarding Chapter XXXX bankruptcy that is on my consumer report each of the credit bureaus claimed that they verified this information with the Federal Courts, they never provided me with a name, address or person. It just states it was verified by courts. On XX/XX/XXXX I wrote to US Bankruptcy Court asking did they verify my information with credit buraus and they sent back the attached correspondence stating they do not verify records with credit reporting agencies. I also checked XXXX and Transunion websites an it states they both verify bankruptcies with the courts.

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: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
See the attached documents.

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 2019-04-27
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:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. XXXX XXXX ( Original Creditor : 11 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 2022-10-14
Company: EQUIFAX, 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:
Good Afternoon, RE : Account Number - XXXX After viewing my credit report I noticed inacurrate information listed on my report. I submitted a dispute to the 3 bureaus ( XXXX, Equifax and XXXX ), XXXX deleted the account due to unverifiable information. However XXXX and Equifax have yet to remove the account and provide me with the requested inforamtion. 

After receiving no response from XXXX and Equifax I pulled my credit report for a second time and noticed that neither bureau made remarks on my credit report stating that account XXXX is in dispute. Per the FCRA ; Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) [ 1681s-2 ] that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. Counting the number of days between pulling my credit report I've determined that it has been 60+ days since my first dispute and neither bureau have listed the account as " in dispute ''. 

Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Im requesting XXXX and EquifaxPlease provide me with the following : What the money XXXX XXXX say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor, as the original credotr listed is just " medical '' Prove the Statute of Limitations has not expired on this account. 
Show me the you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent or Agent of Service. 

Because of the FCRA violation and no response, as well as failing to validate the account Im requesting to have the account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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:
I am writing this complaint to Nc State Employees C. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
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: Information belongs to someone else

Complaint:
I have sent norms letter and file more then one complaint both XXXX and XXXX have removed this incorrect information from my credit but Experian has yet to answer. 

XXXX XXXX XXXX is not company that belongs to me and this should been removed from my credit report months if not over a year ago. 


Also this Hard Inquire still remains on my report 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 2019-07-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This excerpt is a followup fax/email to Select Portfolio Servicing Mortgage company : This letter is a follow-up to my initial identity theft notification dated XX/XX/2019, in which I have been instructed to do by governmental investigative law enforcement agencies and NGOs, e.g. ID Theft Center. This process is tedious and confusing at times but requires that I provide any and all pertinent information needed to conduct an investigation. That any and all creditors, credit bureaus, collection agencies, and financial institutions be provided information to protect their businesses and beware of this fraud case in preparation for prosecution of those responsible. The third step is to see if my accounts are eligible for any extensions, payment arrangements, the placement of collect suppression orders, deferment or any applicable hardship programs to give me time to catch up on payments and correct negative entries on my credit report. I have accomplished these steps as outline below : ***Federal Trade Commission Affidavit , # XXXX ***XXXX PD , Economic Crimes Unit , XXXX XXXX ***Consumer Financial Protection Bureau , XXXX XXXX This XX/XX/2019 notice is to determine the status of my account ( s ) with various creditors germane to hardship programs as part of this recovery process. As  per instruction my XXXX  XXXX XXXX ( XXXX  ) checking account ( s ) from which all creditors are paid, to include XXXX cards and automatic payment setups have been canceled. My XXXX XXXX pension fund has been notified and steps are being taken to get me back on track. A process to improve my quality of life, restore my credit/name, refi my mortgage ( s ) and start my own business here in the great state of Texas w/o these credit/finance issues following me. Im disputing this activity and negative entries that de facto deny equity access to low interest ( % ) loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My wife and I have a joint checking account with formerly Bank Of The West now BMO. We were in process of closing this account, but had to have BMO/Bank Of The West stop auto debit loan payments. We were advised by BMO that our loan payments would be stopped on auto debit and able to be moved to our new checking account at another bank. BMO advised us that this process could take months due to a merger. We are now at the XXXX month mark and auto payments are still happening. Because our direct deposits are going into a new bank and not BMO, we are being assessed a checking account service fee. We can not close this account and avoid this fee because BMO will not change these loan payments to come out of our new account. We have made several call attempts to have this done and have been advised it will be done and yet it is still not completed. The service charges are deceptive by nature, we feel that BMO is dragging this process out to get these service fees and avoiding allowing us to move banks.

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 monetary relief
Consumer complaint received 2019-10-11
Company: Consumer Portfolio Services, Inc.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeatedly called to arrange payment when payment is not due nor past due. The most recent call was regarding when i would make payment for XXXX. Opened call by stating, " We recieved your payment on XX/XX/XXXX, and want to arrange payment for XXXX. My payment is due on the First of the month, every month. So because in this case it was due on Tuesday, and they received it Monday, they didnt count it for XXXX. If I mail payment date is on a weekend or holiday, they call the next business day to arrange payment. XX/XX/XXXX Sunday, and Monday was XXXX day, on XX/XX/XXXX they called to " arrange payment ''. I had to explain that because of the Holiday and weekend, the mail was probably running behind a day. Ive been cooperative, but the nonsense calls to remind me of payments that arent due is getting ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: Experian Information Solutions Inc.
State: GA
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 loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

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 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Dept of treasury XX/XX/2023 1. {$110.00} 2. {$520.00} 3. {$520.00} 4. {$1400.00} Im disputing the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of the original contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. Dept of treasury are illegally attempting to collect the above-listed alleged debts and money that I do not owe. 

Duty to Promptly Correct and Update Information. Section 623 ( a ) of the FCRA also requires a person who regularly furnishes information to CRAs to promptly notify a CRA if the person determines the previously furnished information is not complete or accurate.

Ive requested an investigation to see if all the information of these alleged debt accounts are accurate 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

My rights have been violated and several consumer laws have been violated.

15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: NC
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 NUMEROUS 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 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

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 2019-10-11
Company: ADP, LLC
State: NC
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2019 I tried to use my card issued by XXXX to Global Cash Card and was not able to. I called and was told that two online purchases had been made with a XXXX in XXXX, NC. ( I live 100 miles away ) in the amounts of XXXX and XXXX. I informed BOTH XXXX and GlobalCashCard about the removal of funds from my account. Global Cash Card sent me an affidavit ( via mail ) to fill out and return with the police report from XXXX Police Department. I received a response in the mail that there was no error and no credit would be issued with no documentation of how they came to reach that decision

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I've had a Synchrony Bank Master Card ( applied originally thru Stein Mart ) for many years and have always paid on time and typically paid the balance in full. I recently tried on several occasions to use the card and was told the charge was declined so I called the XXXX customer service number and was told a few weeks ago that there was no problem and to have the charge run through again ... did that and was declined again. Then received calls from 2 places that I had set up automatic monthly recurring payments for quite some time ... they indicated the current payments had been declined. I naturally called customer service again and this time was told that the account had been closed? I was informed that because Stein Mart was no longer in business ( which isn't really true ... they are back as an on line store only ) that my account had been closed. I never received any information regarding the closing of this particular account and asked to be transferred to customer service in the US. The rep I spoke to around XX/XX/XXXX was very helpful and let me know that most of the " Stein Mart '' accounts had been transferred to just a different account with Synchrony ; she was going to check and get back to me but as of this date I have not heard back nor received any correspondence providing a reason for the account being closed. I am contacting the CFPB for a few reasons on this situation. Closing an account arbitrarily for a non-negative reason ( I always paid on time/no issues ) negatively affects the consumer 's credit scores. My having pre-authorized payments charged to the card & then suddenly being declined was not only embarrassing but could have again adversely affected my credit. This account was a Master Card ... not an in house credit program. I would like to know why apparently other cardholders accounts were transferred to a new Synchrony account and mine was not. Thank you.

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 2021-04-20
Company: JPMORGAN CHASE & CO.
State: AR
Product: Mortgage
Sub-product: Other type of mortgage
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 tried to send them a letter last XX/XX/2020. Telling them that what they are reporting is in direct violation of the FCRA that says they are responsible for reporting complete and accurate information in a timely manner. Tracking number : XXXX I never received any response from them and they did not update the credit report as disputed. 

JPMC HOME is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2021 I sent out a debt validation letter to resurgent capital services they then responded with a bill statement however I requested specific information and I informed them that this was not proper validation that the debt belonged to me. I sent another letter to resurgent capital services in XXXX requesting that they send specific information validating that the debt belongs to me. They didnt respond so I sent a second letter out. They in return sent the same exact bill/statement, they sent out to me in XX/XX/2021. I then reached out to XXXX and XXXX in XX/XX/2021, XXXX  in XX/XX/2021 and expressed my concerns that the company was not validating the debt properly XXXX did a thorough investigation and deleted the account from my credit report however XXXX and XXXX validated the debt. I dont believe I was given a fair investigation as resurgent capital services clearly did not validate the debt properly thats why XXXX deleted the account from my credit report. By law from my understanding if the debt can not be validated it must be removed from my credit report. If you can look into this matter I would greatly appreciate it thank you. I have submitted the documentation below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX  Account # XXXX, has violated my rights 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. 

remove these accounts listed ; 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