BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: PRIMARY RESIDENTIAL MORTGAGE
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
As a result of a divorce granted by the state of Maryland on XXXX XX/XX/XXXX, my ex-husband was to assume the mortgage and I was to be removed from the deed as per the divorce decree. I was removed from the deed on XXXX XX/XX/XXXX. The release of liability form from the ex-spouse was sent to XXXX, XXXX on XXXX XX/XX/XXXX, but I had not heard from them. The release of liability was sent again on XXXX XX/XX/XXXX as no contact had been made. It was not until I demanded contact from a XXXX employee in XXXX that I was made aware that the VA also has a procedure. I completed with the VA in XXXX. The ex-husband used his VA loan to apply for the house, and the VA released me from liability on XXXX XX/XX/XXXX. I forwarded this release paperwork to XXXX, XXXX on XXXX XX/XX/XXXX. I emailed one of the employees to request a status update on XXXX XX/XX/XXXX, and a request for an update from customer service was made. On XXXX XX/XX/XXXX, I followed up with the employee again, and I received a phone call. I was informed that they had not received the release of liability paperwork. This is inaccurate because it was sent in XXXX and again in XXXX. On XXXX XX/XX/XXXX, I was informed that other information was missing. I once again sent the dissolution of marriage agreement, the release from the VA, and the release of liability to XXXX on XXXX XX/XX/XXXX. The next correspondence was from an employee on XXXX XX/XX/XXXX that informed me my documents have been sent to the operation department, and I have heard nothing back since despite calling and emailing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Chapter XXXX bankruptcy discharged Date Filed XX/XX/XXXX Date Resolvedshow tooltip XX/XX/XXXX Responsibility Joint Reference Number XXXX Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/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 2021-09-07
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello I have ENHANCED RECOVERY COMPANY which is under XXXX, I have returned the equipment they have asked me for and they only took off XXXX when it was suppose to be XXXX. I asked XXXX multiple times to send me exactly the bill so I can see why I owe as much when they disconnected my phone so I shouldn't be charged for those month I didn't have service I wasn't on a contract or anything so I am so confused on why my bill is so high. I spoke to a lot of people to see and no-one is able to send me bills proving i owe this money. I have interaction code XXXX, INTERACTION XXXX, Interaction XXXX Every time I call there is a different story first it took them a year to send me a return package they told me that I was able to drop my phone off at XXXX  but every XXXX  store I went to they said they were allowed to take my phone, Its just so much run around and false communication on there part. They try to charge me for a XXXX  that I didn't even have with them it was a unlock phone. This is the second time I've had problems with XXXX my last account I had with a spouse I paid my balance so we can take each other off which was XXXX $ I don't think its fair I have to do this again because I didn't care what i spent i just needed a phone that's why this time I will not just let it slide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: DISCOVER BANK
State: OH
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: Problem with personal statement of dispute

Complaint:
My Discover card was taken and used without my knowledge to buy womens clothes Discover is trying to make me liable for this balance and has turned it into my credit t report affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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:
I, XXXX XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. ( TransUnion, XXXX, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2023-08-23
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Date : XX/XX/2019. 
Complainant ( Bank Customer - XXXX XXXX XXXX - XXXX XXXX / XXXX ) is having a Serious Issue of Harassment, violations of Several Banking Policies, and Regulations, and Inability to Close his almost 2yr old Bank Account, based on XXXX Harassment, Violations of the Civil Rights Act of 1964, and Change of Banking Policies with-out Proper Notice to Customer, also Acts of Retailiation, by Banking Officers, and Employees, and Intent to Defraud the Customer of his U.S. Social Security Administration Benefits, of Direct Deposits of Months of XXXX, XXXX, XXXX, and XX/XX/2019, after two very small withdrawals in the Month of XX/XX/2019. 

Complainant has filed against the Mayor XXXX XXXX, and with a Governor XXXX XXXXXXXX XXXX Committee, and is unable to access, the Customer Response from the CFPB website or email. CFPB # XXXX Please respond via Email :  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 2023-10-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 dispute certain accounts that have been furnished on my consumer report by your agency. These accounts should not be furnished in my consumer report as they are in violation under 15 USC 1681b - Permissible Purpose of Consumer Reporting Agencies. 
Under 15 USC 1681b, any consumer reporting agency may furnish a consumer report under specific circumstances, and no other. Subsection ( 2 ) of this statute clearly states that a consumer report can be provided " in accordance with the written instruction of the consumer to whom it relates. '' I have never provided written consent to any consumer reporting agency to report the accounts in question, which directly violates my rights as a consumer. The absence of consent implies identity theft, a serious offense that undermines the integrity of my consumer report. 
I am formally demanding the immediate deletion of the following accounts from my consumer 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 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 Furthermore, I would like to draw your attention to 15 USC 1681c-2, which states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft. I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and have been assigned the reference number [ XXXX ]. As such, I kindly request that you comply with this statute and block the reporting of the aforementioned accounts not later than four business days after the date of receipt of this letter.

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 2023-06-21
Company: R.T.R. Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I assume this is regarding an instrument rental through XXXX XXXX XXXX. When my credit card number changed, they sent me notice the rental had not been paid for the month. Immediately upon receipt, I went in-person to the store and paid. The following day, I got a call from " RTR Financial Services '' about debts I owe. I don't know if these are related, but is the only thing I can think of. The caller asked me if this is __ ( stated my name ) and then asked me for my address. When I said I would not provide my address unless they identified themselves and told me what this was regarding, they responded, " Then I'll need to respectfully end this call '' and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the FCRA this creditor has violated my rights.

Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.

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 2023-10-02
Company: Experian Information Solutions Inc.
State: MS
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:
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.

has violated my rights. Or a list of inquiries : 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven 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 has reasonable cause to believe that 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 explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 account XXXX XXXX XXXX - XX/XX/XXXX Transferred, closed. {$22000.00} - # XXXX XXXX XXXX - XX/XX/XXXX - Collection Account {$4400.00} - # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Collection Account - {$950.00} - # XXXX XXXX XXXX XXXX XX/XX/XXXX - Account Charge Off - XXXX - {$270.00} - 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.

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 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting 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 would like to place a Fraud alert in my account. Someone has been attempting to obtain a car loan under my name and its frustrating. Please have any company call my number XXXX before running or opening any accounts under my good name. Inquiries were the following : 1. XXXX XXXX XXXX ( XXXX XXXX  ) 2. XXXX XXXX XXXXXXXX XXXX  ( XXXX XXXX ) 3. XXXX XXXX XXXX XXXXXXXX XXXX ( XX/XX/ ) 4. XXXX XXXX ( XX/XX/ ) 5. XXXX XXXX acceptance finance ( credit was run 4 times by this company XX/XX/ ) 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 2023-06-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Debit card was lost/stolen as of XX/XX/XXXX, I reported multiple unauthorized charges made and received credit however, credit has been reversed. Transactions were made without my consent and card was not in my possession at time of purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 item of information, other than records of convictions of crimes which antedates the report by more than seven 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 has reasonable cause to believe that 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 2022-05-26
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX XXXX has report on my credit report on XX/XX/2022 and violated the arbitration dispute with XXXX XXXX XXXX that is still ongoing to the present date. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 
This account should must be removed from my credit report and all reporting and contacting must STOP IMMEDIATELY

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 2019-10-24
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I WANT TO SAVE MY HOME I AM BEING PLAYED WITH IF THE LENDING COMPANY DOES NOT WANT TO HELP AND TAKE RESPONSIBILITY THEN I NEED TO SEEK LEGAL ADVICE FOR FILING BANKRUPCTY! THIS LENDER HAS BEEN PLAYING GAMES WITH THE MODIFICATION SINCE LAST YEAR AND IT ROLLED OVER TO 2019 I JUST WANT MY MODIFICATION PLEASE STOP! I HAVE ALL THE RECORED CONVERSATIONS WITH SUPERVISORS -MANAGERS AND THEY EVEN SAID THAT A NEW TRIAL MODIFICATION WILL GO OUT

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