BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-17
Company: Retail Merchants Associates
State: LA
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 to file a complaint regarding a medical collection for {$350.00} from a collection agency called RETAIL MERCHANT ASSOCIATES, with account number XXXX. I believe this collection agency has violated the HIPAA law, and I am also aware that a new law has passed in 2023 stating that medical collections under {$500.00} can not be reported to credit reports anymore. 

Despite the fact that my medical debt was under {$500.00}, I have been receiving harassing phone calls and letters from RETAIL MERCHANT ASSOCIATES, demanding payment for the outstanding balance. Additionally, I have noticed that this collection agency has reported this debt to my credit report, which has negatively impacted my credit score. 

As per the HIPAA law, medical information is considered private and confidential. However, RETAIL MERCHANT ASSOCIATES has disclosed my medical debt to third parties without my consent. This is a clear violation of the HIPAA law and has caused me significant distress and inconvenience. 

Furthermore, the new law that has passed in 2023 clearly states that medical collections under {$500.00} can not be reported to credit reports anymore. Despite this, RETAIL MERCHANT ASSOCIATES has reported my debt, which is unfair and unjustified. 

I kindly request that you investigate this matter and take appropriate action against RETAIL MERCHANT ASSOCIATES. I also request that my credit report be updated accordingly to reflect the new law that prohibits the reporting of medical collections under {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On or about XX/XX/2023 I received a letter of denial from synchrony bank stating TransUnion as the source of my credit score of XXXX. However TransUnion has repeatedly by phone and Internet informed me that my score is XXXX. Including the day I received the letter. Now it has reported a score of XXXX as of today. On the XXXX XXXX XXXX XXXX XXXX in my area they often claim to have influence over TransUnion

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 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspect items I am not familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$66.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$50.00}

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 explanation
Consumer complaint received 2023-12-27
Company: Freedom Mortgage Company
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage has been sold 3 times -- almost every time it still has the same loan servicer, just a different mortgage holding company.In XX/XX/, Freedom Mortgage reported my payment 30 days pas due. I requested an explanation. The mortgage has been paid 30 days ahead and continues to be 30 days ahead of the next due date. I have not missed any payments or been late. I wrote several letters, called and was placed on hold for long periods with no response, from the mortgage company nor from the 3 credit brueaus. None of them have responded.I filed a dispute with the 3 credit bureaus. I requested the 30 day late notes be removed and be returned from red to green show paid as agreed on time 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 explanation
Consumer complaint received 2023-02-27
Company: MOHELA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Employment verification forms were submitted in XX/XX/XXXX and was told it would take 90 days to process. These forms were improperly flagged as duplicate forms and not processed towards the end of the 90 days in XX/XX/XXXX. I called MOHELA to correct them and they put it back in processing but was told it would be another 90 days to process that form despite this being an error entirely on their part. I would like proper processing of my employment verification form and for my payment counts to reflect that the time period from XX/XX/XXXX to XX/XX/XXXX where I was in forbearance under a qualified employer- as promised under the limited waiver.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Central Portfolio Control Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a repeat issue that is unfairly impacting my credit report In sum, I was priced out of a home and in exchange for the avoidance of further legal issues, I surrendered the keys and moved out. 

The property had my original deposit and if this price is fair -- which I will argue that it is not -- then me and my cats did over XXXX in damage upon our two years living there. WHICH WE DID NOT. 

I notified my company that this debt was in dispute yet it still has not been addressed on my credit report. 

It is not so easy to return from homelessness and chasing of false zombie debt does not help. It, in fact, hinders the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I made several attempts with Equifax via dispute and remove a collection account with XXXX XXXX XXXX from my consumer credit report, but have been unsuccessful. I am not responsible for a debt from the original creditor and XXXX XXXX have not provided me debt validation letter and have been reporting this negative acct to my consumer credit report since 2020 and I have not signed a contract agreement with XXXX XXXX XXXX, nor did I provide them authorization to report this negative account to my consumer credit report. They have violated my consumer rights per the FCRA. I demand this is deleted from my consumer credit report immediately. This has caused me financially hardship with being unable to have access to favorable financial products that I need, like not being approved for a personal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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: Information belongs to someone else

Complaint:
XX/XX/2023 submitted a XXXX two police report to the credit bureaus on XX/XX/XXXX it was removed then reinserted shortly after.. The XXXX XXXX XXXX verified saying this is my account ( # XXXX ) for the amount of {$19000.00} ) its not mine! I also disputed it 2 times.. I have a Police and FTC report XXXX deleted it, Transunion and XXXX still show it I have been passed back and forth between the credit bureaus and XXXX XXXX each of them blame the other this is very frustrating thanks for your help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I've been a Chase customer for years with a credit line > $ XXXX. My wife got a referral offer for the XXXX credit card. She is a cardholder and I've been marketed to numerous times. I finally decided to apply and they decline me, despite the fact my account is in perfect standing ( and I haven't even paid interest because I pay in full every month ) and my Chase-proprietary credit score is XXXX out of XXXX. Nearly perfect. I called Chase and all they could or would do is read back the letter to me, which was emailed to me. They didn't even bother to mail the rejection. In the end, I got a hard inquiry and a no real explanation, nor anyone that can actually help me. 

I pay off my credit card in-full every cycle on all my credit and charge cards, including Chase, XXXX my very high XXXX XXXX, and I wonder if this decline is more of the fact I am unlikely to generate the revenue they want versus I am a bad credit risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Zions Debt Holdings
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have no knowledge of this Account, it was opened as Fraud and is showing on my Credit report as a Collection, please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: JPMORGAN CHASE & CO.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Chase, I would like to report the Chase Business Credit Card Account ending in XXXX in my name ( XXXX XXXX XXXX ) as fraudulently opened. 

I did not authorize this account to be opened in my name and ALL transactions on this account were done by XXXX XXXX an extended family member and were done without my permission and, therefore, were fraudulent. 

She made these transactions for her renovation and project without my permission and opened the account in my name without my permission. 

Furthermore one of my many bank accounts were used for all the payments for this credit card account, therefore, I would like all payments made on this account returned to my Bank Account given said transactions were made without my permission and the account was opened in my name without my permission as well. 

Please immediately mark all transactions on this account as fraudulent as well as remove me from being liable for this account, and return all payments to my bank account used for the chase credit card account, and mark the creation of the account as fraudulent and as it being an account opened having stole my identity. Please wipe all debt in relation to this account immediately. 

Thanks. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12
Company: Upgrade, 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: Account status incorrect

Complaint:
My account was reported as delinquent on XX/XX/16 even though it was not. I was enrolled in their hardship program. 

The account is still showing as past due as well, even though I completed the hardship program and made my final payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-04
Company: LEXISNEXIS
State: VA
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:
Hi, when reviewing a copy of my LexisNexis report, I noticed some inaccuracies. I reported these 2 errors to LexisNexis as a dispute on XX/XX/XXXX case # : XXXX. They requested further documents which I sent on XX/XX/XXXX via email is regards to the new case # : XXXX. They requested additional information which I sent in on XX/XX/XXXX case # : XXXX. I have now received a letter dated XX/XX/XXXX stating they are unable to locate the data. I have already sent them the exact pages that it is listed in my report, pages XXXX on my XX/XX/XXXX produced report and I included a copy of those pages in my response. This information is XX/XX/XXXX and XX/XX/XXXX and needs to be removed from my report. They have listed 2 different auto insurance claims to me which are completely unrelated to me and don't even have my name attached to to them, they list a XXXX XXXX, but that isn't my name and cars listed that I have never owned in a state I have never visited.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX XXXX a federally protected consumer and I am making another complaint against National Credit Systems regarding an account that they purchased from The Alcove Apts. I have sent your company several correspondences, however, your company 's response is always a computer-generated letter stating there is not enough information to validate my claim, and this alleged debt continues to remain on my consumer reports with no regard to how this affects me. First, I would like to state that I have never given National Credit Systems any permission to use any of my identifying information to commit aggravated identity theft by contacting me about an alleged debt they claim that I owe. After several correspondences and a previous CFPB complaint I have still not validated any alleged debt with National Credit Systems and while I have not validated such claim of debt this, in turn, can not be constructed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence such as a TRILATERAL CONTRACT between, The Alcove Apts, NATIONAL CREDIT SYSTEMS, and myself, giving National Credit Systems any right to collect on this alleged debt. It is my belief that National Credit Systems is attempting unlawful fraud activities and theft by deception by attempting to furnish false and deceptive forms and continues to commit several violations under the FDCPA especially when an eviction NEVER occurred. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 XXXX XXXX XXXX, resided at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and born on XX/XX/XXXX, who received your response in File Number : XXXX and Im the one who submitted a complaint on XX/XX/XXXX. The listed items were fraudulently and I never signed any contracts with the listed items in my credit file. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The supporting documents are attach in this complaints. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/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 2023-04-10
Company: HUNTINGTON NATIONAL BANK, THE
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, this creditor has violated my rights. Under I have the rights to privacy. 15USC - 1681 section 602 states I have the right to privacy. 

15USC 1681section 604A section 2 it also states, A consumer reporting agency can not furnish my account without my written instructions.

Under 15UC-1666b a creditor not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE A CHASE MTG ACC THAT GOT TRANSFERRED TO XXXX  XXXX   ON MY XXXX REPORT AND IT SHOWING A DOUBLE REPORTING ON MY CREDIT REPORT WHICH IS HURTING MY SCORE I CALL XXXX TO DISPUTE IT XX/XX/XXXX THEY SAID THEY WOULD DELETE IT THEY SEND ME A LETTER SAYING IT WILL BE DELETE THEN THEY SAID THEY CAN NOT ITS AND ERROR. 
They said that chase would have to delete it to call chase i call chase talk to XXXX and he said he would investigate it they said they could not do noting because they sold the acc to XXXX XXXX so i call XXXX back talk to XXXX XX/XX/XXXX dispute specialist she said i would have to get something from chase for them to take it off or it have to stay on my report to XX/XX/XXXX she said chase have the authority to do it. So i call chase talk to XXXX he said its XXXX  have to delete it he said that chase last report on the acc was XX/XX/XXXX so i call XXXX back and they said its chase that have to do something about it and they reinvestigate it again

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2022-02-17
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I graduated with my XXXX in XXXX and XXXX in XXXX XXXX in XXXX. I have always been placed in deferment or Income based repayment with a zero payment due to my income earned from my work in the non profit sector. Most recently, with my {$18.00} state of Arizona government job Navient has calculated my IBR to be about {$67.00} a mo which I cant really afford being that Im even on rental assistance. I made my first payment XX/XX/XXXX because they said I did not qualify for the federal deferment with a FFEL type. However, they have now re-started my 25 year repayment time clock when I have been on IBR since graduation in XXXX and XXXX perspectively. I emailed Navient about a month ago via my online account and have received no response. My credit report was also updated once I made a payment stating 320 monthly payments left dropping my score about 30 points. I dont see an end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: CAINE & WEINER COMPANY, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This letter is a formal complaint against CAINE WEINER ( Original Creditor : XXXX XXXX  ). They have repeatedly violated the Fair Debt Collection Practices Act. A lot of mistakes look as if they exist within this account. Review the status, creditor, account number, and payment status.

Company response to consumer: Closed with explanation