BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Improper reporting to credit companies without prior consent under FDCPA laws.

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 2018-12-30
Company: Ditech Financial LLC
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Late XXXX I applied for loss mitigation and in XXXX I received a letter saying my application was being processed ... On XX/XX/2018, I received a letter saying I am ineligible for loss mitigation, then on XX/XX/2018, I received a letter saying why I'm ineligible and the other dated XX/XX/2018 saying I had until XX/XX/2018 to decide if I would be doing a short sale, as noted this is now too late ... I then call Ditech, XX/XX/2018 and tell them everything listed above and ask how to stop for closure and they tell me to pay {$1200.00}, then next day XX/XX/2018, I sent a check for {$1500.00} to the Illinois p.o box, the check was signed by my father in-law, with a note that has my name and account information so there wouldn't be a mix up..I then called ditech and talked to XXXX extension XXXX , and he noted check was on the way ... so to my surprise I received a letter on XX/XX/2018 saying I for closure proceedings may happen if I don't dispute and so I'm disputing ...

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Is listed that I have a collection for XXXX XXXX XXXX and Im using it to do this report the only XXXX XXXX I have!!! And it is current and with 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 2021-09-30
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I lost my job due to COVID, I have had an Express Clothing Store Credit card for years and now very behind on payments. COMENITY BANK has not only tried contacting me but they are also calling my mother-in-law, whom lives in a different state not listed on any of my financials. My XXXX year old son, during school hours. They are not only requesting to get my contact information or questions about my whereabouts, they are telling them details of my debt and the legal implications if I dont call. I never gave them permission to discuss anything with anyone. They are leaving messages as if they were calling my phone..messages directed to me and not them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04
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:
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. 
XXXXXXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXX XX/XX/2022 Experian XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 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 2021-05-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
To Whom It May Concern, In the process of requesting PPP loan forgiveness over the last several months, Chases business direct center and whoever has been reviewing the application forms have been repeatedly clearing and re-adding conditions and have been extremely unclear with what they require. Every representative we have called has told us something different every time as to what they are requiring. Once the requested changes are made to the application they clear that condition and add back another that was already cleared. We have provided what they have asked for and more numerous times that prove the loan money was used on the business during the covered period. We have followed all the guidelines when applying, all 22 times, and each time with the additional documents they request and are still being denied. At this point they are going to run us out of business by not granting forgiveness for the loan that helped us and is still helping us remain in operation. We will not have the means to repay this loan amount in full by the date it is due. The SBA states that funds can be up to 100 % forgiven if used on the business during the covered period, which it was and we are not even requesting forgiveness for the entire loan amount. We are eligible for this and should have our application reviewed fairly. Chase is refusing to submit our application to the SBA even though we have provided everything they have asked for and more. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 told all the of the " Big 3 '' nationwide consumer XXXX XXXX XXXX, XXXX, XXXX and Transunion to reinvestigate these accounts : XXXX XXXX ( # XXXX ), XXXX- ( # XXXX ), XXXX XXXX- ( # XXXX ), XXXX XXXX- ( XXXX XXXX ), USDEPTOFEDU/XXXX ( # XXXX ), XXXX- ( # XXXX ), XXXX ( # XXXX ), XXXX- ( # XXXX ), XXXX- ( # XXXX ) I received notice from all three CRA 's ( Transunion, XXXX and XXXX ) that everything was verified as complete and accurate and that my disputes have now been completed and closed out. I am confused, how is it possible they " investigated '' all these accounts and declared them as accurate and verified if information such as : Account Open Date, Date of Last Activity, Payment Amount, and so much more is absolutely incorrect. Not only that but all 3 of the CRA 's are reporting different information.

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly. 

15 USC 1681 Section 602 ( A ) States that I have the right to privacy 15 USC 1681 Section 604 ( A ) Section ( 2 ) States that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 5 ) States that 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 USC 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.

These companies do not comply with or even attempt to be in compliance with Metro 2 credit reporting and I have all the supporting docs/evidence to support my claims.

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 2021-09-30
Company: Credit Bureau Services of Iowa Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent a letter to CREDIT BUREAU SERVICES OF IOWA , INC. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
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 was result of identity theft

Complaint:
As of XX/XX/XXXX Portfolio Recovery Associates, LLC has been contacting me by phone & mail, telling me that I owe them {$760.00} which I never borrowed from them nor anyone else. They say that they had bought this debt from XXXX XXXX which i already proved that it was a case of identity theft & that there weren't anyway that this debt was of my own actions. I was incarcerated for almost 2 decades which started in XX/XX/XXXX. The said debt had started in XXXX & i didn't get released until XX/XX/XXXX. 
Again, i've already proven this fact to XXXX XXXX w/ my release papers. This is an unlawful act on part of XXXX XXXX as a seller of a debt that resulted from identity theft, & an unlawful act on part of Portfolio Recovery Associates, LLC as buyer of such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: NY
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/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions 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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX 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 2019-09-25
Company: Pressler & Pressler, LLP
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/19, a XXXX County sheriff ( XXXX ) that I am familiar with from work, showed up at my current home residence to serve me with papers that I am being sued. XXXX is a close personal co-worker with whom I worked for many years at the XXXX County Department of Human Services. This was the first invasion of privacy violated by this debt collector. Upon opening the paperwork, I learned that I was being sued by the lawfirm of Pressler, Felt & Warshaw.  They apparently had entered a civil law suit against me in my county of XXXX with the very place I am XXXX for ( The XXXX County Courthouse XXXX XXXX XXXX and is very familiar with all XXXX County XXXX ). This was the second invasion of privacy that this lawfirm violated. I read all the information and realized that Pressler, Felt & Warshaw had filed a plea against me that included personal finance information from XXXX XXXX which included the amount I owed as well as my credit score and a back page showing all of my purchases and stores I shopped. This was the third violation of my privacy. XXXX County Courthouse now knows my personal information and is an XXXX that at the time of XX/XX/19 ( when the civil suit was served ) I was XXXX  by. Therefore, all of my co-workers as well as my boss, and higher up 's all know about my debt and when and where I shopped. This personal information should not have been entered into the XXXX I worked for at the time and is a HUGE violation of my rights! Also, there is no clear cut instructions in the lawsuit paperwork. There is no one to contact to find out if I have a hearing to attend and if, any, what time and day that would be. This paperwork is very vague as to any instructions on how to remedy this situation and considering it ruined my XXXX at XXXX County, I now have no way to even pay this debt off. I am currently unemployed with no compensation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: CITIBANK, N.A.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2022 I noticed that my credit score had dropped, which is unusual because I've had a perfect credit report for more than 7 years. I looked further into this to see that an unauthorized charge went unpaid on my Citibank credit card that I don't use. Because it was a late payment, I had late fees roll over and Citibank reported this to the 3 credit agencies. I called Citibank to dispute the charges, and they agreed to remove the charges and late fees ( see attached credit statement showing my balance return to {$0.00} ). However, Citibank is still reporting to the 3 credit agencies that I have a 60-day late payment, which has negatively affected my credit almost by XXXX points. I have tried to dispute this with Citibank and all 3 credit agencies two times, but this is remaining on my credit report, which has an incredibly negative impact on my financial life. Citibank is claiming the information is correct, even though they already refunded me the unauthorized charges and late fees. Because these unauthorized charges and late fees were refunded by Citibank, this should also be removed from credit reporting and return my credit to its previously excellent standing.

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 2021-05-27
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
AMEX account was due to be removed from my credit report in XX/XX/XXXX. AMEX updated a balance on my account and changed the on record from XX/XX/XXXX to XX/XX/XXXX. I have not and will not agree to repayment with them and want my credit report to be updated with the correct date of XX/XX/XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: JPMORGAN CHASE & CO.
State: CA
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 JPMCB CARD has violated my rights in 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states that consumer reporting agency can not furnish an a account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: ERC
State: HI
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:
To whom this may concern, ( ENHANCED RECOVERY CO L Account XXXX ) accessed my report without my permission. 
That is a violation pursuant to 15 U.S.C Section 1681n civil liability. 
Any unauthorized inquiry is a violation and I ask for {$1000.00} for every violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that are reporting on my Credit Reports : XXXX XXXX Balance : {$6500.00}

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 2023-06-16
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-30
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: Account information incorrect

Complaint:
On my Equifax, XXXX and XXXX Credit reports the collection tradeline XXXX XXXX/XXXX XXXX, acct no ending XXXX, Orig creditor XXXX XXXX XXXX All 3 credit reporting agencies are reporting the wrong " Date of 1st Delinquency '' " XX/XX/2017. '' My records show that the account was never brought to current from the first delinquency date of XX/XX/2017. Equifax, XXXX, & XXXX are reporting the wrong date of first delinquency. They report XXXX XXXX my last payment was made, but the payment made on XX/XX/2017 did not bring my account to current. The last date this account was current was XX/XX/2017. This error causes re-aging and delaying the date the account will be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: IL
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/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation