BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: LEXISNEXIS
State: FL
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
They are violating the fair credit reporting act and the consumer laws. I did not give them written consent to report on my behalf. They are keeping fraudulent information on my reports. 

Account : XXXX XXXX XXXX Account : XXXX XXXX Account : 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 2022-05-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Since I purchased my vehicle through dealer financing, I had found that I could not get through the online services to pay my bill. 
I managed to get ahold of someone on XX/XX/XXXX and pay my balance in full. They walked me through setting up autopay and I was verbally told that the account was up to date and was fully paid. I had been misled and the autopay had not been set up. 

In XXXX I received a notice stating that repossession had been initiated on my vehicle. When I attempted to log on to see what the problem was I found that I could not and I had received no correspondence from them. It was not until I talked to a debt collector that I found out that Chase had frozen my online account, actively preventing me from paying my bill. I paid my bill in full to the collector that they gave me a number to call and pay over the phone. 

Despite having the means and willingness to pay my loan on time, Chase actively pushed policies preventing me from paying my loan and attempted to reposess my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
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: Information belongs to someone else

Complaint:
I found out there are 3 accounts with XXXX XXXX  being reported to credit reporting agencies which are not mine I filed police report and notified my identity theft issue with XXXX, XXXX  and Equifax on XX/XX/2020, and since then I have seen no results nor any proper investigation and i have been given run around by these credit reporting agencies for the past 70 days. Based on FCRA I was suppose to get results by 30 days and so far my identity theft issue has not been take care of. At the time of this COVID-19 that even US Senate specifically asked these credit reporting agencies to look after the consumers and protect consumer 's credit worthiness I see clearly that these agencies are ignoring the FCRA and US Senate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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 accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquiries from Transunion... XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL 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 also states a consumer reporting agency can not furnish a account without my written instructions. I DEMAND THAT ALL ITEMS BE REMOVED EFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREDIT REPORT DAMAGING MY LIFE.

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 2022-11-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but XXXX and Equifax are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially, and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item 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. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions 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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/2022, I discovered that there was some inquires that I did not authorize. I contacted all 3 credit bureaus to dispute and place a freeze on my account. Transunion did not place freeze on my account, after being informed by phone and mail that I experienced identity theft. I also attached a copy of my FTC complaint that I filed. People are still attempting to run my credit, someone was even able to run my credit fr numerous loans and credit card. I just checked my transunion account and there is no freeze in place. I had to create an account, which I did. After filling out the info and submitted and a note popped up that stated unable to complete request.

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 2022-05-06
Company: CMG MORTGAGE, INC
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 open end consumer credit plan as late fr purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
the care act of XXXX went into effect XX/XX/XXXX. i have not been contacted by fedloan servicing about the freeze on payments, but only received my regular bills. i have now paid my past 2 months of payments and believe they should be refunded! i have a lot of debt and if i could have paid another bill with that , it would have made my life less stressful than it already is!!!! and they also have all of my PSLF records a whack : (

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have never been treated so disrespectfully in my sixty plus years of dealing with National Banks as Chase Bank is treating me today. I have deposits in demand accounts Ive had at Chase for more than twenty years that today exceed {$13000.00} that I need to pay bills and expenses I have incurred and Chase, without just cause, has frozen my accounts and refused to honor bills I have scheduled for payment! 

Last XXXX, claiming new Federal regulations required me to provide additional information on ownership of my account, I immediately went to my local Chase branch at XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona. After determining the branch did not really know what was required and they had no notice of such demands, I finally found the information they needed concerned terms of a Trust agreement to which I was the sole trustee. That same day I provided ChaXXXX with a sixteen-page Summary of Trust drafted by my attorney that clearly spells out both current and successor trustee provisions of the trust. Refusing to identify what information they required, so called officials of their Compliance department claimed that more information was required, and they demanded unconditional access to my XXXX00 page trust agreement!

After threats to close the accounts that included a ridiculous demand that I provide an affidavit of Trustee resignation from my wife who had died four years earlier. After explaining a dead person could not sign such a document they still were not satisfied. Finally on XX/XX/2023, they refused to pay checks on my account, falsely claiming insufficient funds ( see attachments ), and froze my access to the funds. Now for the sixth time I returned to the bank branch asking for specifics on what they required. After repeated demands that I provide the entire Trust document, they decided they had to see my address as Trustee in the agreement! For heavens sake did they really believe that after I returned to their bank branch six times in response to their letters that they did not have my address! That is astonishing! Today, some six days after I signed a notarized affidavit regarding my identity and my address, I still have no access to my funds. 

This heavy handed denial of customer rights is simply not justified in my opinion. I would sincerely appreciate the intervention of the CFPB as I need access to my funds to pay bills. Their denial is absolutely unjustified, and I need your help to force Chase to release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XXXX at XXXX, A phone number registered to Portfolio Recovery ( XXXX ) called me multiple times. They call several times a day from different phone numbers and area codes. The debt is legitimate, but I have sent them correspondence to stop calling and send written correspondence instead, but they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
there is information that on my consumer report that is a result of identity theft I did not provide written permission or instruction for identify transaction to be reported on my consumer report I'm requesting that the reporting of this information be blocked and deleted My request to block is not being made in error nor is it a request to block being made in the basis of material misrepresentation of the fact by me relevant to the request to block the identify transactions. The identify transactions are not in formation related to any transaction by me as the consumer. 

You are required to do what I'm asking and block these transactions from being reported to my consumer report within XXXX days of the day of the receipt of this notice I look forward to your response.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
THIS IS INDEED ME. I AM WHO I SAY I AM. I AM THE PERSON WHO WROTE MY LETTER I SENT TO YOU! I AM A CONSUMER AND I KNOW MY RIGHTS!!!! I SENT YOU MY ID AND PROOF OF ADDRESS AS WELL AS A COPY OF MY SOCIAL SECURITY CARD WITH THE CERTIFIED LETTER I SENT TO YOU THAT YOU RECEIVED. YET, YOU ARE CLAIMING THIS IS NOT ME!?! 

I AM RESUBMITTING MY XX/XX/21 COMPLAINT FOR UNAUTHORIZED US OF MY CONSUMER REPORT! 
YOU ARE COMMITTING VIOLATIONS AGAINST 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 explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX does not have any way to contact them to dispute. They keep reporting my account in collection when I have already paid them in full. This inaccurate negative reporting has gone on for several months now and is affecting my credit privileges.

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 2023-04-21
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed numerous credit inquiries showing up on my credit file where I have not authorized. They are XXXX XXXX XXXX XXXX on XXXX XXXX XXXX 2. XXXX XXXX XXXX on XX/XX/XXXX 3. XXXX credit XXXX on XX/XX/XXXX 4. XXXX XXXX XXXX on XX/XX/XXXX 5. XXXX XXXX on XX/XX/XXXX 6. XXXX XXXX on XX/XX/XXXX 7. XXXX  XXXX auto finance on XX/XX/XXXX XXXX. XXXX XXXX serve on XX/XX/XXXX 10

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a mail XX/XX/20, said the bank decided to end their relationship with me and closed all my accounts include checking and credit cards. They didn't give me any reason why they did that. I called the customer service, waited 2 hours they still said there is no reason and they can't do anything for it. I always pay my bill on time, never have late payments, never do anything risk. I am really confused why they do that, Chase really hurts the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
every year, i call and get the ecrow analysis revised because of errors such as added default reserve to escrow etc. I am monitoring, tracking and reporting since 2014. 
since last year PENNYMAC LOAN SERVICES, LLC moved the escrow analysis date and forced me to pay additional amount in their every year increase in the month of XXXX and onwards. 
i have to be pro-active to make sure 1. i request escrow analysis 2. PENNYMAC LOAN SERVICES, LLC do not send hard copy of escrow analysis even after i repeatedly requested this year. 
3. i have to find errors and request every year to revise the escrow analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: GOLDMAN SACHS BANK USA
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: Was not notified of investigation status or results

Complaint:
I noticed a company called Apple Card was reporting a negative remark on my credit report. Enclosed I am submitting pictures of the letter I sent them certified mail requesting validation of the debt. I mailed this letter out XX/XX/XXXX certified mail. Today is XX/XX/XXXX. I feel they have had more than enough time to complete an investigation which they have not. They are reporting to the 3 credit agencies different and inaccurate information to each one without even providing me with validation of the debt. Enclosed you will also find a picture of my credit report from XX/XX/XXXX which was more than 30 days after they received my letter to correct their records and validate the debt with the company Apple Card still reporting different information to 3 credit reporting agencies without validation of the debt.

Company response to consumer: Closed with non-monetary relief