BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-11
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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  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 an 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 2020-04-08
Company: EQUIFAX, INC.
State: WV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted to the credit bureaus to remove dispute messages off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 


XXXX, account number : XXXX ; XXXX, account number : XXXX ; XXXX, account number : 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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information is inaccurate.

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 2021-07-23
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I paid my balance in full so I could make a new purchase due to an issue with another furniture retailer. The next day my full balance was not made available to me. When I called I was transferred a few times before I could even speak to someone in US, which I had to specifically ask for. Once finally speaking to someone in the US ( XXXX XXXX XXXX )  explained they can not remove a 10 day hold on a payment for new accounts for the first 6 months. I said that wasnt a fair policy and would like to speak to manager and she said it was in my terms and conditions I signed and she was a manager. I asked to speak to her manager and I was told Id have to wait 24-72 hours which defeated the purpose of making the purchase the same day. Additionally she told me that no one at the company could override their policy. XXXX continued to be rude and combative all while denying she was being disrespectful and in fact then insulted me. Im XXXX and just needed a new bed frame right away given we had several issues with another furniture retailer so, we had no bed for 2 weeks and Mattress Firm was willing to help us and ship next day but, Synchrony Bank wouldnt allow my payment hold to be lifted. My account was paid in full and this seems like an unfair and deceptive practice. I asked to lodge a Presidential complaint and XXXX told me she could give me an address to write a letter and when I asked for an email address to send my complaint about the whole interaction she said they dont have one. I cant believe a bank would operate in this horrendous way and not try to help its customers, especially during these trying times.

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 2022-09-23
Company: Experian Information Solutions Inc.
State: MA
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:
There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the late payment, charge-off, and collection accounts. No changes were made. Below are the inaccurate items from my credit report : Late Payment 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 2022-10-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Checkmark : Your message has been sent Reply toChase Online SubjectRe : Account inquiry ReplyXXXX has no account attached to me BUT CHARGES ME XXXX AND XXXX REPEATEDLY THE CUSTOMER SERVICE PHONE NUMBERS DISCONNECT REPEATEDLY FROM VERIFIED COMPLAINTS OF UNAUTHORIZED CHARGES FROM XXXX and XXXX has been fined for unauthorized charges and financial fraud schemes with the public Here is the information showing more deception information regarding violations and I NEVER HAD AN XXXX XXXX KEEPING XXXX ACCOUNT EVER, THE CHARGES COMES FROM CALIFORNIA BUT I KNIW THE CUSTOMER SERVICE CALLS ARE ROUTED TO XXXX, AND THEY KEEP APOLOGIZING FOR FRAUDULENT CHARGES BUT WILL NOT STOP CHARGES OR INITIATE REIMBURSEMENT REPEATEDLY STATING FALSIFIED REPORTS TO MANIPULATE INFORMATION AND ELECTRONIC CHARGES ARE PROHIBITED IF FRAUDULENT. They did same thing to elderly people who use their services. XXXX is charged XXXX dollars and XXXX dollars monthly but they want extra {$500.00} USD for services, they already received or have been receiving. XXXX Live Bookkeeping [ ref : XXXX : ref ] XXXX To XXXX XX/XX/XXXX at XXXX PM www.intuit.com QBLive-Logo-clean Hello XXXX, I got your XXXX request where it states that you would like to be assigned back to your Bookkeeper. I apologize that we can not do this, we can only do this if you purchase the service that starts at {$500.00} within 60 days of when you last had the service. If you purchase this service it will activate the XXXX XXXX on your account and then we can transfer you back to your Bookkeeper and refund you the {$500.00} charge. If you wait pass the 60 days then you can not be assigned back to your Bookkeeper and will need to complete the Cleanup service and there will be no refund. Please sign up ASAP so the service can start again and you can put in a refund request as soon as you have that first appointment with a Bookkeeper who can escalate a refund request and get you assigned back to your Bookkeeper. XXXX no longer has the XXXX and XXXX services separated so to start the service again everyone customer has to purchase the {$500.00} service first. I apologize for the inconvenience. Thank you for choosing XXXX XXXX! XXXX XXXX XXXX Escalations Department

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
A full payment that was due on the account on XX/XX/2023 was scheduled to be paid for XX/XX/2023. On XX/XX/2023, the online portal that PHEAA releases to those for managing their account falsely advertised that my account was delinquent despite the payment being made online ON THE DUE DATE and FOR THE DUE DATE. 

This is an ongoing pattern and happens every time payments are made. PHEAA ignores and disregards the issue and tries to intimidate me for making CFPB complaints about it in the interim. If I call in or submit Customer Service Inquiries about the issue, I am met with responses that deflect the issue and Agents will respond with statements that they have no control over the issue. 

I have had to complain about this so many times. Unfortunately, unless and until it is corrected, complaints will be submitted. PHEAA needs to stop blaming the borrower and defending their dodgy behavior for the terrible decisions and policies that were made by idiots running that organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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:
The Credit Bureau 's actions and assertions that the disputed items have been validated frustrate me, especially because they haven't offered me any proof of their claims. My patience has run out, therefore I'm filing this CFPB complaint as my final attempt to handle these issues without consulting an attorney. A sizable amount of illegal accounts as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with File Number XXXX. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly delete these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Here is the list of accounts that should have been removed from my credit File and yet the Credit Bureaus have continued reporting : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: Colony Brands, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
During the month of XX/XX/2022, I received many calls from a number I did not recognize and therefore did not answer ( XXXX XXXX XXXX ). On XXXX I finally answered. It was a debt collector representing XXXX XXXX and/or XXXX XXXX pursuing debt incurred by a XXXX XXXX of XXXX NJ XXXX I explained that my name is XXXX XXXX XXXX and have never had an account with XXXX XXXX or XXXX XXXX. I have lived at XXXX XXXX XXXX, XXXX Pa for the last 35 years and have never lived in XXXX NJ. They indicated that my phone number was tied to the XXXX account. My phone number is XXXX XXXX XXXX which is a PA area code. I have no idea how my phone number was attached to this account. The individual I spoke to named XXXX seemed to understand this was a case of mistaken identity and indicated fraud might be involved. XXXX indicated he would correct the issue and contact a credit bureau to insure my credit would not be tarnished. I thought that was the end of it. On XX/XX/2022 I received the attached documents. It would appear that my address is now also linked to this account. On XX/XX/2022, I talked to XXXX of XXXX XXXX ( XXXX XXXX XXXX or XXXX XXXX XXXX ). When I initially made the call, the auto answer indicated my phone number was linked to an account there. Clearly my phone number was not disassociated from the account I did not have. XXXX too seemed to understand the mistaken identity and indicated she would correct it. I am filing this complaint in case she does not correct it. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to get the company to delete these erroneous items off of my report as they have yet provided me with PROOF of how these items are being verified.

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 2022-02-08
Company: TRUSTMARK CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AFTER FAMILY MEMBERS IN OUR HOME RECOVERED FROM VIRUSES BEING SPREAD AROUND, WE FINALLY HAD A CHANCE TO CHECK OUR MAIL, AND SAW MAIL FROM SEVERAL ATTORNEY OFFICES. WE WONDERED WHY WERE THESE LETTERS BEING MAILED TO OUR HOME. FINALLY WE SAW A LETTER IN THE MAIL FROM AN ATTORNEY 'S OFFICE CALLED " XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. WE ASSUME THEY REPRESENT " TRUSTMARK NATIONAL BANK. '' THIS IS WHAT THE LETTER SAID. IT ALSO ASKED IF THIS WAS THE HOME OF " XXXX XXXX '' AND THAT XXXX XXXX NEEDED TO RESPOND WITHIN 2 WEEKS OR THE AFOREMENTIONED ATTORNEY 'S OFFICE WOULD " ASSUME '' IT WAS THE CORRECT HOME FOR " XXXX XXXX. '' 1. WE HAVE SEEN WHERE THE THE AFOREMENTIONED MENTIONED ATTORNEY 'S OFFICE CAN BE CONFUSED BY THE SIMILARITY IN NAMES, WHICH COULD CAUSE THEIR OFFICE TO ASSUME THAT THEY ARE SENDING MAIL TO THE PROPER HOME ADDRESS. WELL, NO ONE IN OUR HOME GOES BY THE NAME " XXXX XXXX. '' WE NOW HAVE TO BELIEVE THE AFOREMENTIONED MENTIONED ATTORNEY 'S OFFICE HAS SENT LETTERS TO THE INCORRECT ADDRESS. THE MAN, WOMAN, OR PERSON THEY ARE SEARCHING FOR DOES NOT LIVE OR RESIDE AT OUR HOME ADDRESS. THE AFOREMENTIONED MENTIONED ATTORNEY 'S OFFICE COULD HAVE MADE A SIMPLE MISTAKE, OR WE COULD BE A VICTIM OF IDENTITY THEFT. 

2. WE DO NOT KNOW ANYONE FROM THE AFOREMENTIONED MENTIONED ATTORNEY 'S OFFICE. WE DO NOT HAVE A CONTRACT WITH THE AFOREMENTIONED ATTORNEY 'S OFFICE, NOR THEIR CLIENTS. WE HAVE NO KNOWLEDGE OF ANY DEBT OWED TO THE AFOREMENTIONED ATTORNEY 'S OFFICE, NOR THEIR CLIENTS. WE HAVE NEVER USED THE AFOREMENTIONED MENTIONED ATTORNEY 'S OFFICE FOR SERVICE, AND WE DO NOT OWE THEM ANY MONEY FOR ATTORNEY FEES. 

3. UNDER THE FAIR CREDIT REPORTING ACT, DEBTS OVER 7 YEARS OLD ARE TIME BARRED, AND HAS A STATUTE OF LIMITATION, AND CAN NOT AFFECT ONE 'S CREDIT. ALSO, NO CREDITOR CAN USE THE SAME ASSUMED DEBT MORE THAN ONCE TO AFFECT A CONSUMER 'S CREDIT. WITH THAT BEING SAID, NO ONE WITHIN OUR HOME HAS TAKEN ANY LOANS FROM ANY BANKS WITHIN THE LAST 7 TO 10 YEARS, ESPECIALLY FROM A " TRUSTMARK NATIONAL BANK. '' WE DO NOT HAVE KNOWLEDGE OF ANY DEBTS OWED TO THE ATTORNEY 'S CLIENT, TRUSTMARK NATIONAL BANK. IF TRUSTMARK NATIONAL BANK ASSUMES THERE IS A DEBT OWED, THEN WE CAN POSSIBLY BE VICTIMS OF IDENTITY THEFT. 

4. SINCE WE BELIEVE SENDING MAIL TO OUR HOME HAS BEEN A MISTAKE, WE REQUIRE THE AFOREMENTIONED MENTIONED ATTORNEY 'S OFFICE, AND THEIR CLIENT, TRUSTMARK NATIONAL BANK, TO CEASE AND DESIST WITH ALL ACTIONS TO AFFECT OUR CREDIT, CEASE AND DESIST WITH ANY ATTEMPT TO WITHDRAW FUNDS FROM OR FREEZE OUR BANK ACCOUNTS, CEASE AND DESIST WITH ANY LIENS, AND CEASE AND DESIST WITH ANY NEGATIVE AFFECTS ON OUR PRIVATE, PUBLIC, AND OR INTELLECTUAL PROPERTY.

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 2023-10-10
Company: Shellpoint Partners, LLC
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:
Hello, My mortgage account XXXX was transferred from XXXX XXXX to Shellpoint. 
I found out about the transfer upon logging into my XXXX XXXX  account and seeing the loan was transferred notification with no any further information. 

Ive made MULTIPLE attempts to reach out to Mr.Cooper via phone, app and email to find out who the new company was in order to make the payments and no such information was provided. 

XXXX point failed to send a customer notification to inform me that they are in a possession of my loan. 

They failed to send me any information AND any of the invoices. No any communications were received even though customer service rep confirmed over the phone they had my email and phone number all along yet no attempts were made to contact me. 
Instead they falsely reported my account to credit bureau while failing to send an invoice. 

I found out my account is past due yesterday upon receiving email from XXXX credit services. 

As a result of failure to follow legal requirements and promptly inform the consumer of the loan transfer and send timely invoices, XXXX XXXX caused my XXXX XXXX to drop from XXXX to XXXX. 

I expect company to take responsibility and remedy the damages they have caused.

Im looking forward to your timely response. 

Kind regards, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XXXX Balance : {$580.00} ; XXXX  XXXX XXXX Balance : {$660.00} ; XXXX XXXX : {$910.00} ; XXXX XXXX Balance : {$710.00} ; XXXX XXXX ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XX/XX/2021 ; XXXX  XXXX XXXX XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: BARCLAYS BANK DELAWARE
State: WA
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:
Theres a hard inquiry on my XXXX report for a credit card I never applied for on XX/XX/2022. When I called the lender they couldnt help me because I dont have any other information other than what is on my credit report. And XXXX said I had to report it with the Federal trade commission before filing dispute

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have violated my federally protected consumers rights to privacy and confidentiality under 15 U.S.C1681. XXXX XX/XX/XXXX # XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15U.S.C 1681 C ( A ) ( 5 ) SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES THAT ANTIDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C 1681 S-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 RESONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS IN ACCURATE..

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 2016-04-17
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
We have previously filed a complaint about this situation. Our mortgage loan is with Nationstar Mortage. Twice last year ( 2015 ) Nationstar has reported our mortgage loan as a line of credit and have lowered the credit limit. This is not valid as the loan is a conventional mortgage loan. We have tried resolving thing with Nationstar to no avail. They ignore our attempts at resolving this issue. It is against the law for them to report the loan as a line of credit and to lower the credit limit on the account. We feel this personal and malicious. It has lowered the credit score for both borrowers ( husband & wife ) by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2020 a representative from Comenity Bank contacted my siblings mother regarding my credit card balance on a XXXX XXXX XXXX  XXXX XXXX. My siblings mother is in no way associated with my account and I did not provide her contact information to Comenity Bank. XXXX XXXX XXXX  XXXX and Comenity Bank has by address and should not reach out the other individuals regarding my account.

Company response to consumer: Closed with explanation