BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-26
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: Information belongs to someone else

Complaint:
Hello, I am very stressed out because I have unknown accounts in my profile. I just checked today and I was shocked. This is a mistake or maybe even fraud because I feel that someone could use my personal information. I can not understand how this possible. But I do not want to have fake items in my credit report thus I am asking you to remove it as soon as possible please.

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 2021-04-26
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX - XX/XX/XXXX My forbearance scheduled to end on XX/XX/XXXX, I have been calling 3-4 times a week and have received multiple different answers from Lakeview Loan. 
XX/XX/XXXX - XX/XX/XXXX - told was eligible for extended forbearance but never happened - XX/XX/XXXX - was told my forbearance would be extended through XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX was Promised that my XX/XX/XXXX this would show on my online account - this never happened - XX/XX/XXXX was told I was " preapproved '' for a COVID modification with no documentation and that I was not eligible for an extension, said no follow up by me was needed and they would contact me within 7 days to discuss. This never happened - XX/XX/XXXX called to ask for update there was no update and modification was not started - XX/XX/XXXX asked for recordings of all my discussions because I have received so much incorrect information - was told supervisor would call me back - never received a call - XX/XX/XXXX was told I was never preapproved for COVID modification, not eligible for any longer on forbearance and needed to fill out a packet for modification. Recordings of calls were never stated on my loan - was told again supervisor would call me back - never received call - XX/XX/XXXX - called again- I filled out mtg assistance packet and again asked for call recordings and speak to supervisor - neither happened - XX/XX/XXXX - was told in review for modification and no documentation on anything else, forbearance, phone calls, recordings, nothing at all. On hold for supervisor now for 40 minutes

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 2022-07-05
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX is sending me to collections over a non existent debt. 

On XX/XX/2022 i purchased a XXXX XXXX XXXX XXXX XXXX' that costs {$30.00} ( XXXX dollars ). I paid with my debit card that same day. 

later on they billed me in XXXX different chargers and the XXXX XXXX XXXX XXXX XXXX. I paid in full the other part of the debt but i didn't paid for the XXXX because i thought it was a mistake. 
i tried to reach them over the phone several times but no one ever answered on their billing department. i tried calling the phone number listed in the medical bill to explain that this debt was paid in full the day of the service but no one ever answered me or return my call. 

On XXXX they billed me again just the charge for the XXXX XXXX XXXX XXXX XXXX for {$30.00}. At this point i contacted them over the phone to the billing department as well to the phone number in the bill. No answer, no call back. I even sent a dispute to their XXXX XXXX XXXX billing disputes and no answer. 

today XX/XX/2022 i found that they sent me to collections for a service that i already paid and i have bank statements showing that on XX/XX/2022 i paid in full. 

i contacted the collections agency and they were very kind and helpful. they asked me to email my proof and they put XXXX XXXX XXXX under investigation and they are waiting to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: In progress
Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-02-12
Company: Experian Information Solutions 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX  ACCOUNT # XXXX AND XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX XXXX XXXX {$13000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$480.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$800.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2021-04-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am a practicing, licensed RN and a full time faculty member at a private university in Indiana who has taken care of COVID patients throughout the entire pandemic and who has taught students how to take care of patients and become nurses. 

I applied for a loan from 5th 3rd bank in XX/XX/2020 and as of today, we have still been unable to close. I have submitted every single document they have requested ( verifying my income and bank statements 3 separate times, because they expire after 60 days ).

The manager I have dealt with XXXX XXXX has missed scheduled meetings with me and has refused to give me the name of her direct supervisor more than once. I have emails confirming this. 

I have endured new onset of chest pain related to the stress of this entire process. I have done everything they have asked and have been as patient as I can be but I am now at my wits end. This is not right. 

Please investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: VA
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 want to file complaint of the credit bureau delaying my request.. I have reach out to XXXX XXXX and experian I sent out disputes letters over a month ago and my file just being Investigated. The Inquiry that they said was verified and the account.. didnt reply back. The dispute I sent out they violated my rights 15USC 1681 604 section A,15 USC 1681 Section 602 ,15 USC 1681i they fail to send me the the description of the procedure of the investigation they ignoring my request my rights of privacy is also being ignored please please adress this matter Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this 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 non-monetary relief
Consumer complaint received 2021-04-26
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an email on XX/XX/21 that a Verizon Visa Credit Card was opened through Synchrony Bank. 

I contacted the bank and informed them that I did not open a card through them.

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 2022-03-29
Company: Rock Creek Capital, LLC
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing in regards to collection notices coming from a company called performance XXXX XXXX I have recieved the last 6 months for a company named rockcreek capital llc that neither were on my credit report until somehow rock creek obtained my info and appeared on my experience report. I asked them to cease and desist in XXXX and XXXX. Made complaint about XXXX  and XXXX. XXXX  stated neither would contact me I request they update info over a XXXX dollar debt they claim I owed for rental towing charges. I never recieved any notices from fair, uber or xchange leasing over sales of any balances. Rock creek purchased files from a banrupt fair leasing in XXXX. Fair went under in XXXX and went through some process. Fair aquatics still exists. Fair purchased exchange from XXXX in XXXX. In XX/XX/XXXX my account for a weekly XXXX was returned and closed out. Those leased you could return recive XXXX dollar deposit back if was pickup up or auction you loose deposit. Nothing ever appeared on my credit report for either. XXXX nor rockcreek can produce a signed dealer ship contract or lice copy or recored or even telephone toecor auction company they basically created a bogus invoice XXXX with XXXX dollars in rental toeing storage charges somehow inflated to XXXX dollars with interest. Rockcreek is cresting fraudulent invoices using rom to try and demand.credit card payments which you can not only via check or money order for debt. Also I will seek local attorney General complain for XXXX XXXX and rpm as well as anit trust complaints forcuber. Also separate complaints to fair and rock creek and rpm I had to put a fraud alert on my credit files for rock creek showing up on my experience file XX/XX/XXXX. I want them removed as this makes harder to rent or seek better ooan options. Even the report is wrong snd not reporting to XXXX transactions. Or XXXX XXXX. I will seek ma court complaint for damages. Rpm contacted numbers and relatives with out permission or knowledge and conducted skip tracing activities. Also they have not sent anything with my signature Dib or social. Not sure how rockcreek appeared on credit file 9 months later and after receiving cease desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: GA
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 asked the credit bureau to do verification on everything on my credit report. They reply back to me stating that everything was accurate on my credit report. I did research myself and fought improper inaccuracies on my credit report after they did the investigation. 

XXXXXXXX XXXX XXXX : XXXX Never 30days late XXXX XXXX : XXXX Never 30 days late, High balance incorrect. 

XXXX XXXX XXXX  I have know knowledge of this account In Accordance With the fair credit reporting Act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1861 section 604A Section 2 It also states a consumer Reporting agency Can not furnish A account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Bankruptcy

Complaint:
Due to divorce and financial hardship, I had to file for bankruptcy in XXXX. I assumed my private student loans with Navient would be XXXX, but they were not. A Navient provided inaccurate information in relation to my ability to discharge the private student loans. In reading a article a couple of days ago, I learned my private loans with Navient could have been XXXX via bankruptcy. Due to Navient putting me in forbearance, interest applied has cause the XXXX private Navient loans to grow XXXX to XXXX times what I originally took out. As a result, literally all of my plans were going toward interest and not principle. Due to having knee XXXX, I was out of work for a couple of months. Due to being out, I have not been able to make payments since XXXX, XXXX. My question is... can my Navient private loans be XXXX via my XXXX bankruptcy? Or, can a lump sum settlement be derived to finally resolve my XXXX private Navient student loans? 

Note : The originally approved loans were approximately XXXX. With interest applied, the loan amount is over XXXX ... XXXX in interest alone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: LoanCare, LLC
State: PA
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 problem is with loancare. I paid them in XXXX and they say I didnt. I sent them the proof, but continued to report that not paid. Now they are stating XXXX wasnt paid. Sent them the cancel check. I was told there would be a freeze on the account until the issue was resolved, but there is not. Please help correct this error. 
There is also a problem with XXXX. They are stating the bill is delinquent, but they never send me a statement. Spoke to them on several occasions. Please help. 
Thank you so much for your consideration. 
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 2021-10-25
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent merchants and medical a debt validation letter certified mail pursuant to 15 usc 1692g they received XX/XX/2021. in regards to inaccurate accounts with XXXX XXXX XXXX  i have no business with this company and have no idea how they even have any of my personal jnformations. This account is listed as an account buyer which is illegal. So my information was clearly stolen and retrieved somehow by this company. This company continues to violate my rights per 15 usc 1681s-2 by continuously smearing my reputation and reporting information that i have informed them was incorrect and inaccurate and false. This company this company continuously violates 15 usc 1692f reporting this false inaccurate information to my credit report ( postcard ). If this cant be rectified in a timely fashion I will left will no choice but to send an AFFIDAVIT OF TRUTH along with all my exhibits to head to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/23 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX Balance {$0.00}

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 2022-11-11
Company: JPMORGAN CHASE & CO.
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:
Please see attachment letter for errors on my credit report. 


XX/XX/XXXX JP MORGAN CHASE BANK Executive Office XXXX XXXX XXXX XXXX XXXX 
XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX : XX/XX/XXXX Re : JP MORGAN CHASE ACCOUNT XXXX XXXX in the Amount of {$3900.00} To Whom It May Concern This is about consumer credit transaction entered with JP Morgan Chase Bank dated about XX/XX/XXXX and I extended your organization the credit for the account number XXXX. 

I hereby give your company JP Morgan Chase Bank notice pursuant to 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your company didnt even inform me about the cost of credit and the only evidence of the indebtedness was just a computer generated agreement.

According to 15 USC 1602 ( k ), adequate notice means a printed notice to a card holder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above mention section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) A consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it is resulted in multiple billing errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term unauthorized use means a use of a credit card by person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the card holder receives no benefit.

1. Accounts deleted from All consumer credit reporting agencies 2. Monetary relief for recent denial of mortgage loan due to this billing error from JP Morgan Chase Bank. ( See attachments ) 3. Return all monies ever paid on this account. 

If you accept my request, I will not escalate this matter to federal court. In case, you dont accept the above request, a legal action shall be taken against your company for Compensatory damages. 



Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation