BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
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:
XXXX XXXX XXXX, XX/XX/XXXX. Am not aware of this account XXXX XXXX, XX/XX/XXXX. Am not aware of this account XXXX finance XXXX, XX/XX/XXXX Account does not belong to me XXXX XXXX XX/XX/XXXX does not belong to me

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 2022-04-18
Company: EQUIFAX, 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:
XXXX XXXX XXXX, XX/XX/XXXX. Am not aware of this account XXXX XXXX, XX/XX/XXXX. Am not aware of this account XXXX XXXX XXXX, XX/XX/XXXX Account does not belong to me XXXX XXXX XX/XX/XXXX does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did contact Portfolio Recovery Associate to provide the court document stating that a Judgement was entered against my property or a contract that shows that i XXXX XXXX XXXX Entitlement Holder/Registered Owner of the XXXX XXXX XXXX have a signed contract or a debt obligation in its favor, they failed to do so. I did file a Claim in the Virginia Commercial registry after they defaulted to remove the Collection item from the credit bureaus. I did address the CEO of PORTFOLIO RECOVERY ASSOCIATES to produce proofs of claims and, he failed to do so, as a result a UCC lien was filed against PORTFOLIO RECOVERY ASSOCIATES and its CEO XXXX XXXX XXXX as it was the terms and conditions if proofs of claim could not be produced. I am the uncontested Registered Owner of XXXX XXXX XXXX with my Birth Certificate Authenticated at all Three Levels of Government and Registered with with the United States Department of Commerce with a {>= $1,000,000} CLAIM against anyone using it without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
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: Confusing or missing disclosures

Complaint:
Lexington Law, a credit repairing agency based in XXXX Utah took several disclosures and payments in regards to credit repair to my Credit report SS # XXXX ... multiple payments and interventions ie XXXX, have taken place... In the course of moving to the state of Michigan as a XXXX XXXX XXXX ( XXXX XXXX ) ; advertisements were made as to the " transaction '' capability of State Bar Attorney, XXXXXXXX XXXX an associate of the Lexington Law firm under XXXX XXXX. XXXX XXXX  capabilities and interventions caused me to get involved, however, the Michigan branch would not address any of my requests for intervention as outlined on their main website www.lexington.com. An example of this type of overriding services was experienced when I presented information about an XXXX XXXX XXXX Reservation with the XXXX XXXX XXXX in XXXX XXXX XXXX Michigan XXXX When the legal counsel associate was asked to thread with the communications, he simply would not acknowledge the purchase of a Military lease Vehicle that may have been racketeering or unlawfully purchased without correct due process... further, the Lexington company has amazing strengths and an XXXX XXXX dollar class action lawsuit that causes me to observe and report to your agency even further .... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: MT
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:
I submitted a dispute regarding the status being reported to the credit reporting agencies by XXXX. I provided proof that the loan is paid off and the balance is XXXX  but XXXX  refuses to correct their reporting error.

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 2022-04-18
Company: EQUIFAX, INC.
State: MO
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:
Inquiry : XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Inquiry : XXXX XXXX XXXX : XX/XX/XXXX Inquiry : XXXX XXXX XXXX : XX/XX/XXXX Inquiry : XXXX ( Bank ) XX/XX/XXXX Inquiry : XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Inquiry : XXXX ( Hotel and travel ) CollecitonsXXXX XXXX XXXX Last reported XX/XX/XXXX 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. Convergent Account # 1234, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions 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:
I am a victim of identity theft. I have filed a police report and FTC report and sent the paperwork to the credit agencies according to the FCRA. My disputes are not being filed correctly and my paperwork is not being attached to the disputes. And I am not getting copies of the verification process

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 2022-04-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a Credit Card By Chase bank and XXXX XXXX XXXX which i have been charged {$85.00} for each year since XXXX. 
I called XXXX and they had no reply for why i never received a Free night Stay in their Hotels as promised when signing for this card, they had no reply for me. 
Next i called Chase card services to waive the fee charged to my card as of XX/XX/XXXX. 
They Blankly refused to do so. 
So basically they can make all those promises and not deliver where as we are fools to believe them?? 
I want all my Fees refunded for all the years paid and that i did not receive the Free Night Stay Voucher in Mail. 
Is this not what Anti trust laws are about?? 
Any XXXX and XXXX will be appreciated. 
Thank you. 
XXXX XXXX XXXX ending in XXXX XXXX XXXX membership # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My mortgage company seems to be in the habit of not reporting my ontime payments to the credit agencies. They will go up to 2,3,4 months not reporting anything. This is by far my biggest account and it not being reported is not helping my credit score which I am constantly trying to improve. I complained last year when I first noticed it  but they continue to do nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: MO
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement XXXX  days earlier. Below is the list of the disputed accounts. 
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 XXXXXX/XX/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 2023-07-16
Company: U.S. BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to express my concern and to file a formal complaint against US Bank. The issue at hand pertains to a promotional offer related to a business checking account that has not been honored by the bank, compounded with a distressing lack of adequate customer service. 

In detail, I opened a business checking account with US Bank due to a promotion displayed on their webpage. The advertisement promised a {$500.00} bonus if I kept a balance of at least {$3000.00} in the account for a duration of 60 days. I took steps to meet this condition and kept the required balance in the account for the specified time. 

My account opening process commenced in late XXXX, but the completion of the process was delayed until XXXX due to the bank requesting additional documents. The bank 's agent informed me that the promotional offer would end by XXXX, but I was not informed of this during the account opening procedure, or of any potential issues that might arise due to the delay caused by the bank. 

Upon contacting the bank to inquire about the missing bonus, I was told that the promotional code had expired at the time of my application. This was not communicated to me during the account opening process, which I find to be misleading and disconcerting. 

Adding to this, my attempts to resolve this issue through their app and via phone calls have been unfruitful. When I sought help through the app by typing " missing open account bonus, '' it only provided instructions on how to open an account, repeatedly. Even when I typed " agent, '' there was no adequate response or help provided. 

My phone calls to the bank were no better. I spent more than XXXX minutes on the call, being transferred to XXXX different representatives, each time having to explain my situation anew. Unfortunately, none of them could provide assistance or resolution, leaving me frustrated and upset with their service. 

Thank you for your time and attention to this matter. I trust that the CFPB will act in the best interests of consumers like myself. 

Yours sincerely,

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 2023-09-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Under Basic Right of US Citizen. I need to have accurate information on each and every line same on 3 credit report agencies.

To make your job easier. I have attached everything that is incorrect. This all information to deleted in 15 days. on 31 day, I will Sue all credit report agencies. Delete and send me copy of report to house address.

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
its a bunch i have hard inquires on here that was not done by me i called tried to dispute online nothing credit is still the same.. 

Also its address that are not mine on there as well as a ss number thats not mine on there as well... 


XXXX XXXX {$750.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX {$580.00} XX/XX/XXXX XXXX XXXX  {$150.00} XX/XX/XXXX XXXX XXXX {$370.00} XX/XX/XXXX XXXX  {$1200.00} XX/XX/XXXX i have XXXX inquiries that i did not do nor authorize to be done on my behalf.. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In XX/XX/XXXX, I disputed accounts on my credit report that were inaccurately listed with only TransUnion and XXXX. This has caused undue stress in trying to remove or validate this inaccurate information. This information appears from XXXX and keeps reappearing with different payment dates, payment amounts and even as a duplicate. 

In accordance with the fair credit reporting XXXX XXXX account # XXXX and XXXX XXXX account # XXXX are violating my my rights, which state that negative and outdated information can not reappear after it is found to be fraudulent and/or not validated. 

15 USC 1681 section 602-A states that I have the right to privacy.

15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. 

I did not provide a wet signature or permission for these accounts to be reported nor should they be reported form XXXX. Illinois consumer law prohibits reporting after 5 years. 

I demand that these accounts be removed from my credit reporting 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 2022-06-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 status incorrect

Complaint:
USAA charged off my account in XXXX of 2017 but since then has continuously been reporting my account late every month. I have XXXX credit cards with USAA that are reporting in this way. I have contacted USAA on multiple occasions but they are unwilling to resolve the issue. An account can show a charge-off status plus late at the same time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/ 2017 I went to XXXX closed an account to start an account with my husband. I was told in order to close the account the account had to be fully paid and so I paid. The account was cancelled and my husband and I purchased a new phone and started a new line, which is my current line. Every two months i received a bill for the cancelled line i called XXXX every time i received the bill and every representative i spoke to promised to have the fees and cancel the account. It has not been forwarded to a debt collector and affecting my credit. XXXX is now saying because its been forwarded they can no longer access that account to confirm previous calls or account activity.

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 2022-12-28
Company: Caliber Home Loans, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Complaint and QWR. 

Caliber never responded to my simple question WHO authorized and released the servicing rights from XXXX XXXX  XXXX XXXX and transferred to Caliber. 

Who authorized and released on XX/XX/2019, the servicing rights for the Loan from Caliber and transferred to XXXX XXXX XXXX XXXX XXXX XXXX 

I want to clarify I am not making any inquiries about origination, underwriting, subsequent sale or securitization, or any determination to sell, assign, or transfer the servicing of the Loan ; or an assignment of a mortgage. 

I am asking to disclose the NAME of the company and the name of its individual officer, with his/her direct contact information who authorized the release of servicing rights from XXXXXXXX XXXX XXXX XXXXXXXX to Caliber Home Loan , Inc. and who appointed Caliber as a Servicer. 

I am asking to disclose the NAME of the company and the name of its individual officer, with his/her direct mailing address and direct phone contact information who released on XX/XX/2019, the servicing rights for the Loan from Caliber and transferred to XXXX XXXX XXXX XXXX XXXX XXXX 

The problem with Calibers statements is that they are the equivalent of saying that if my alleged Creditor hire an employee, someone else can take that employee 's place without my alleged Creditor knowledge or consent. 

It simply does not work that way. Agents do not appoint themselves or create powers for themselves. That is ALL ( no exceptions ) done by the principal for whom they are acting. 

Any company that is claimed to be a " servicer '' or who has allegedly participated in a transaction regarding the servicing of a collateral account ( unpaid loan account on the ledger of a creditor ) MUST be acting on the express authorization of that creditor. 

I am asking Caliber to identify the NAME of the CREDITOR and direct contact information for the individual officer of my CREDITOR who authorized the release of servicing rights from XXXXXXXX XXXX XXXX XXXXXXXX to Caliber Home Loan , Inc. and who appointed Caliber as a Servicer. 

I am asking Caliber to identify the NAME of the CREDITOR and direct contact information for the individual officer of my CREDITOR who authorized the release of servicing rights from Caliber to XXXX. 

So when a XXXX  company who filed these letters with CFPB says that a company Caliber- is a " servicer '' that does not make the company a servicer, agent or authorized to act on behalf of anyone. It is an assertion or allegation which is only implied. 

I am asking for the FACTS - identify the NAME and direct contact information of the Company and its individual employee who authorized and released servicing rights from XXXX to Caliber and from Caliber to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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.

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 2022-06-18
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: Account information incorrect

Complaint:
According to 15 U.S.C. 1681n ( a ) ( 1 ) any 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} ; XXXX XXXX XXXX is in violation of the FCRA, an account can not be reported as " paid in full '' while also reported as a collection/charge-off 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 non-monetary relief
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: VA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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