BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My name is XXXX XXXX XXXX and I am sending this complaint to TransUnion. It was the result of their non-compliance to my request and for their refusal of getting the items listed below to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$13000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$220.00}

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 2021-06-02
Company: JPMORGAN CHASE & CO.
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : 02/23/2021 This is not mine. 

2. Identity ThefXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

7. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXXN Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft T XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize having any agreement with any of these account above and i am not liable for these accounts, These alleged debts are not mine i never enterted XXXX signed agreement or completed an original contract with any of them.These inaccurate collections are NOT MINE.I never provided any written consent or premissible purpose for these allege creditors to report on my credit report .I Am THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report.This is a violation of us code 1681b premissible purposes of consumer reports.Pursuant to 15 u.s. code 1681b ( a ) ( 2 ) -permissible purpose, of consumer reports. ( A ) in general subject to subsection ( c ) any consumer reporter agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it relates.This is a violation and also identity theft! 15 U.S.C 1681 c-2 - block of information resulting from identity theft.You have no rights under the law to send me any type of communication immediately.further more you are attemping to collect an alleged debt where so called oringal creditor has falsely represent character other violations under 15 usc 1692 e that are implementing your self. Violation :15 usc 1692b ( 5 ) ,15 usc 1692 ( 2 ) ( A ) ,15 usc 1692e ( 3 ) ,15 usc 1692 ( 10 ) ,15 usc 1692 ( 11 ) if your office fails to respond to this validation requst within 10 days from the date of your receipt, all references to this account must be deleted and completly removed from my consumer report or attorney general will be contacted

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 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX UNAUTHORIZED HARD CREDIT INQUIRY.

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 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
First and foremost I didn't receive the service I purchased, which was to have access to my credit report information that a financial institution would be accessing. What I was given was some over inflated scoring model that in no way represented the score that is used by FI 's when making credit decisions. Once I realized this, about 24 hrs after signing up ( XX/XX/2020 ), I contacted Transunion and canceled the service and requested a refund XXXX XX/XX/2020 XXXX. I was provided the refund within 48 hrs of canceling the service ( XX/XX/2020 ). However, the following month I was yet again charged the monthly transaction charge for the service on XX/XX/2020. I contacted Transunion again and they agreed I had canceled the service and that they would refund the fee and ensure no future charges were deducted from my account. On XX/XX/2020 I was charged AGAIN the monthly service fee, which then overdrew my account as it was an unauthorized charge that was not planned, which in effect caused an additional overdraft costing me in total 2 NSF charges totaling {$70.00} ( {$35.00} a piece ). When I called Transunion for the 3rd time on XX/XX/2020 the representative told me that I had been charged because I had re-established my service with Transunion. I obviously NEVER re-established this service with Transunion or authorized any charges to my account after the XXXX process. While the representative yet again " canceled '' my account even though I had never activated an account ( and provided a transaction ID as the previous 2 representatives had ), they have declined to cover the overdraft fees ( {$70.00} ) which I incurred as a result of them processing unauthorized transactions to my account. In addition, I have ZERO confidence that my account will not be charged again as this is clearly a scam of some sort where no matter how many times you cancel the service, as long as they have an active card on file they will continue to attempt to charge your card for the monthly service fee.

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 2019-08-24
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2017, I filed disputes with Equifax, XXXX   and XXXX regarding an address on my credit reports belonging to someone who stole my identity, used my revolving credit account, made an illegal purchase, and had the item shipped to their address in Texas. Now that address shows up on my credit report. I disputed that address in XX/XX/2017, I was assured by all three companies that the issue was fixed but it was never fixed. I just logged on to my XXXX account and checked my credit report. The Texas address is still there. All of the credit reporting agencies made me jump through hoops to get a police report, a letter from XXXX ( the revolving credit company ) and complete pages and pages of applications and online forms. I don't have time to keep doing this and nothing getting accomplished. I have been denied credit and almost arrested for fraud because when I completed an in-store electronic application, it asked me several questions. One was, " Did you ever live at any of these addresses? '' There were four addresses listed, three were just phony addresses and one was the fraudulent address in Texas. So when I answered " NO '' to all of the addresses, the customer service representative was advised my credit was declined and that I was trying to open a fraudulent account. I had to show my driver 's license, my military ID card, several credit cards and was embarrassed and outraged. These credit reporting agencies DID NOT do their jobs even though I cooperated and provided them everything they asked for. These credit reporting agencies should be ashamed of what they've done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This dispute is in response to a debt that was being collected on a secured credit card. The secured credit card was funded by my personal FRN 's. Please take notice that on XX/XX/2023 NFCU stole the money from my tax refund in order to " settle '' the debt that was already settled from the moment of account creation. Aside from NFCU stealing the money, in which i did not give authorization. They broke the law ( 15 USC 1666h ). This law states that " A card issuer may not take ANY action to offset a cardholders indebtedness arising in connection with a consumer credit transaction. '' Also in accordance with the TILA, cash and credit can not be used in a consumer credit plan, which makes the original contract null and void from the beginning due to it being fraudulent and misleading. It is a FACT that I utilized FRNS from my account to fund this account thus making it a prepaid card and not a credit card. 

You have no authorization to furnish to my consumer report with income, which by IRS definition a charged off account is INCOME and i still have yet to receive a 1099C in order to claim this as income on my report SO, in total I have 3 violations. Which may lead to litigation if I am not refunded the {$260.00}. XXXX that was stolen from my tax refund. 

Please also take notice all correspondence will be sent to the US attorney General, All 3 credit bureaus, state attorney General, FTC, and IRS criminal investigations dept.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: MA
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 received an email from Experian on XX/XX/XXXX stating my credit score had changed. I logged into my account and found out my score dropped XXXX points on XX/XX/XXXX. I want to know why. Some background : First, as of XX/XX/XXXX, I had no credit score. All my accounts were discharged in XXXX XXXX Bankruptcy. This, in of itself was an error as I recertified my car loan at the time of my bankruptcy. This error was rectified on XX/XX/XXXX and I had a credit score somewhere around XXXX. 

So I called in to Experian today and spoke to no less than 10 different people. The bottom line is they can't tell me why my credit score dropped XXXX points yesterday. I have requested a supervisor callback but no one has called yet. 

I want to know why my credit score dropped XXXX points. Specifically. Not a general reason. The actual reason. 

There are two possible events that could have caused it : First, on XX/XX/XXXX, I applied for credit at a XXXX XXXX XXXX. After applying, I was approved for {$5000.00}. I then found out it was for a lease. I was not told I applied for a lease. I was told it was credit. I said no and found another way to pay. 

IF they think I took out a {$5000.00} lease, I can see why they would have dropped my credit score XXXX points but I did not do this and I would like to dispute it. They do not see it so I can't dispute it. 

Second, XXXX XXXX XXXX controls my mortgage. It was charged off in my bankruptcy. They can no longer report on this mortgage. I believe they did, which would be illegal. I think Experian used this illegally obtained information to change my credit score. I want to dispute it but they do not see it. 

I want the CFPB to MAKE THEM tell me why my score dropped XXXX points on XX/XX/XXXX and I want to dispute the reason. Right now, they are hiding behind the logic that they can't dispute what they do not see. Further, they say their algorithm determines my credit score - not a person. That is fine but if they are going to drop my score XXXX points in one day, they should be forced to disclose why. 

Please help me. I am desperately trying to build my credit score so I can apply for a home equity line of credit next XXXX so I can pay for my son 's college. I can't do that without a major increase in my credit score. This XXXX point drop screws me. 

Please let me know as soon as possible what you can to to help. 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 2023-03-07
Company: REGIONS FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This has been an ongoing issue with Regions Bank and Regions Mortgage. On several occasions I've been to the local branch in XXXX XXXX  and tried to resolve the payment issue. I'm given the option to use Regions bank website or their app to make my monthly mortgage payments. Ive attempted this several times where the website doesn't register my scheduled payment, wherein my payment becomes late. On XXXX separate occasions in the last XXXX months I've submitted auto draft paperwork where they are able to access my account to be paid. My payments are still not being paid. Ive had the Regions branch XXXX access my account to resolve the issue and reimburse the late fees, and to date, only XXXX have been reimbursed. XX/XX/2023, the auto draft did not work so I manually submitted payment again online, and Regions mortgage was unable to process the payment because they attempted withdrawal on an account that I had closed XXXX years ago. Regions Mortgage states that the closed account is the only account directly associated with my mortgage. I attempted contact today with Regions mortgage, part of the issue might have been resolved, before speaking with a supervisor named XXXX XXXX refused to give any further assistance and stated that this is an issue between my bank and myself. Ive been to the bank monthly to resolve this issue and no assistance is forthcoming and fees and payments are now past due.

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 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 had an issue last year when I pulled my credit report up and I was looking to get an apartment when I discovered that there were several accounts that were not included in the original dispute. I have an FTC report and letter to follow up on my complaint.. the following account is fraudulent : XXXXXXXX XXXX XXXXXXXX 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 2021-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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 name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous account reporting on my Credit Report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: KS
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 checked my credit report and found that some of the data wereincorrect. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Name, addresses, employment and ss number is inaccurate on reports.

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 2021-10-22
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Was making my payments on time and the loan company keeps reporting me that I'm not making my payments on time. Yet it's shows on my bank statement I was. I tried to get them to fix it but they won't do it. There reporting it many times and my credit score keep going down. I need help. This lian company won't listen 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 explanation
Consumer complaint received 2018-04-17
Company: Resurgent Capital Services L.P.
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: Account status incorrect

Complaint:
On XX/XX/XXXX, an account with XXXX XXXX XXXX was opened for the amount of {$1300.00}. The primary borrower purchased a new home in XX/XX/XXXX and was no longer receiving statements from the borrower leaving the account delinquent. After approximately a year of no payment, the original debtor, XXXXXXXX XXXX XXXXXXXX XXXX, sold the account to XXXX , XXXX. XXXX , XXXX   contacted the Clerk of Court XXXX County and Summons the borrowers to court to address unpaid balance. Both borrowers appeared in court in XX/XX/XXXX and went through mediation to resolve the debt. Each party agreed on an amount per month to satisfy debt. The Borrowers paid consitently on the account and the account was brought to XXXX balance in XX/XX/XXXX. XXXX County Court filed a motion dismissing the case as the borrowers satified their agremment. The borrower for the above account is requesting that this account be removed from their credit report. The account is showing as closed/ negative due to charge off. Debtor has paid balance and fufilled their obligation and this information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Upstart Holdings, Inc.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On or about XX/XX/2023 Upstart sent me a offer for a new loan, then said use a different email, then said many other conflicting details. Eventually they denied this loan saying they could not identify me. I have a loan taken XXXX. I have never paid late, Upstart says I have paid XXXX of principal towards the XXXX original loan in 16 payments. yet they turn around and claim I owe XXXX, more than even the amount they have said I have paid towards the principal. Furthermore the total of my payments has been XXXX, the rate far exceeds the 35 % allowable interest rate for Oklahoma. When I contacted them on XX/XX/2023 they refused to respond. On XX/XX/2023 they responded via email saying they take my concerns seriously but OFFERED no resolution or even a hint of compromise or explanation. Compounding the problem, Upstart, after offering a second loan has sent some company they say they work with named Am One who hounds me to death about loans via calls and emails. I never asked for, nor authorized Upstart to have these people contact me ad nauseam. As of this date no resolve, or any actual viable response has come from Upstart.

Company response to consumer: Closed with explanation