BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-16
Company: JPMORGAN CHASE & CO.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Chase has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the 30-day period. I disputed this account sending certified with return receipt in which Chase rec eived and signed on  XXXX   XXXX  by  XXXX   XXXX  in which  Chase  did n't respond to my letter in a timely manner that was dated  XXXX   XXXX  which is another violation of Federal and state law and they also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Keep in mind I also have time stamped copies of my credit report showing proof of the violations. I lived with an aunt that had the same exact name as myself so I also requested copies of a contract bearing my signature.  Chase  send on  XXXX  of   XXXX   copies of printouts of bills and itemized documents, which does not constitute verification as per FTC opinion letter from Attorney  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: MARINER FINANCE, LLC
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:
Although I have explained to   XXXX   XXXX   that I do not have an account  with Mariner Finance and s he should stop contacting me and is harassing me, she has failed to furnish me with proof of an account as required by law, conducted   XXXX   credit inquires of my credit report u nlawfully without my authorization, and continued to call me at least 23 times each one  unlawful.   XXXX   XXXX   works fo r Mariner Finance ,   XXXX    XXXX   XXXX   XXXX   XXXX ,  XXXX  PA  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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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

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 2023-06-13
Company: Experian Information Solutions Inc.
State: IL
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. 

Account name | Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX | XXXXXXXX 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 explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing you this notice to update the information in my consumer report. See below for my accurate personal information. 

Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX SS # : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  I have lived at this address since XXXX, XXXX Telephone : ( XXXX ) XXXX Please correct my personal information and remove every other information different from the information provided above from my consumer report and mail me an updated copy of my consumer report. 

I appreciate your prompt attention to this matter, and await your reply.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: In progress
Consumer complaint received 2017-05-16
Company: TD BANK US HOLDING COMPANY
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:
Recently became aware of a credit card with td bank that was opened in my name by my sister and her husband. The account is past due and affecting  credit score  because both my sister and her husband were killed in an auto accident so nobody is making payments on it anymore. This is how i became aware of the account by getting phone calls about a past due account. Spoke with banks fraud department and informed them that I knew the individuals that opened and were using the account but that I did not open or use the account and they requested a statement as well as the death certificate of my sister which I faxed to them. After 2 weeks never heard back from them and called them again to get the status and was put on hold for over 30 minutes and when the rep returned she simply told me that the account had been closed and when I asked what that meant I was not given any further information. I assume they are refusing to assist with this fraudulent account since they would not say anything more other than the account was closed and there was nothing they were obligated to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent numerous certified letters t o Portfolio Recovery Associates LLC t o   XXXX   XXXX     XXXX   XXXX , VS  XXXX  requesting verification of debt. I request my contractual agreement bearing my signature. Letters was sent on  XXXX / XXXX / 2017 ,  XXXX / XXXX / 2017  and another certified letter on  XXXX / XXXX / 2017 . I have been a victim of fraud before this is why I have request my contractual agreement from this company to verify this debt belong to me. They refuse to send this agreement bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX   XXXX   XXXX  illegally raised my ren t (  California require s 30-days notice for any rent increase. I recieved 0-days notice ) I e mailed them and they agreed not to charge me the rent increase so long as I moved within 30 days. At the end of the month they sent the increase in rent to collections instead.      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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I have been calling Transunion and speaking to the fraud department and account specialist for months in a row and my problem is still not resolved! There are multiple inquiries I do not recognize/ deem fraudulent and transunion has been no help. I have satisfied all their requirements and contacted the lenders who are reporting the inquiries and all of them confirm they are unauthorized and just re direct me back to transunion. The inquiries are as follows XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX I do not do business with these financial institutions and they are violating the FCRA with these inquiries. I am trying to get a mortgage and due to these violations I am unable to move forward with me life. I need all of them to be removed immediately. This is my 3rd attempt to correct this problem, if not resolved I will take my luck to pursue legal action is claims court.

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 2017-05-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
When trying to access an y credit score information regarding my credit account with Experian I get an error message after answerin g the verification questions repeatedly I even tried to access my annual credit report online and on experians website to no avail however when uploading proof of my identity in the dispute section they verified me and mailed me a report however I still can not access my score I s ee   XXXX   a ccounts are positively reporting with them so I know I have a file but every time I try to access my experian score on  freecreditscore o r on experian or   XXXX   scorecard I get locked out I need to be able to access my free experia n fico score I have similar problems with   XXXX    however  XXXX  has no problem identifying me I was able to access my report online they all have my updated mailing addresses to my   XXXX   XXXX   since we have reported that with the credit companies and an official change of address so I do  n't understand what is locking me 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
Consumer complaint received 2017-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
hi my name is  XXXX   XXXX  I just file the complaint about  XXXX  credit bureau complaint  XXXX  yesterday I was checkin g trans union credit reports I have lots of new item in my credit report, I have o nly  XXXX  loans on my name auto loan and   XXXX   XXXX   credit card that 's it like I said last time  XXXX  credit bureau have false credit report on my name I never have  XXXX ,  XXXX  credit card and I never been to  XXXX  another  XXXX  I never go to   XXXX   XXXX   I have health insurance for  XXXX  and I only go to  XXXX  in  XXXX  only all the new ite m in trans union cre dit report its false statement thank you

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 2023-10-30
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, Inaccurate and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S Code 1681e ( b ) and 15 U.S Code1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.

Company response to consumer: In progress
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing you this notice to update the information in my consumer report. See below for my accurate personal information. 

Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX SS # : XXXX Address : XXXX XXXX XXXX XXXX XXXX, Texas XXXX I have lived at this address since XXXX, XXXX Telephone : ( XXXX ) XXXX Please correct my personal information and remove every other information different from the information provided above from my consumer report and mail me an updated copy of my consumer report. 

I appreciate your prompt attention to this matter, and await your reply.

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 2023-10-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: In progress
Consumer complaint received 2017-05-16
Company: Collection Bureau of Fort Walton Beach, Inc
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested to validate the alleged debt on  XX/XX/2017    via registered mail. The letter requested a breakdown of fees including collection costs and medical charges, a copy of my signature with the provider of the service to release my medical information, a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided, and to cease any credit reporting until the debt has been validated by me.  Collection Bureau of Ft. Walton Beach received the registered letter o n  XX/XX/2017   . I received the attached documentation on   XXXX   XXXX   XXXX     as verification of debt, however, the documentation does not include a copy of my signature with the provider of the service to release my medical information nor a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided. Therefore,  Collection Bureau of Ft. Walton Beach ha s not verified the alleged debt and is illegally reporting an invalid debt.     I previously filed a complaint on  X/X/2017    that closed on  X/XX/2017    with the explanation from the company as follows : " I am unable to access any accounts under the name and address I have been provided. If you can provide me with an account number. If you have had any other addresses I can try that also. If you received a response from my office to your original validation request i would have the account # on it. '' " I can not locate with the name and address given. If we have already validated the debt then an account # would have been included on that validation. '' In the attached documentation my maiden name,  XXXX   XXXX , and current address clearly appears on the documentation that was sent to me as verification. Please refer to the attached documentation, it is clear that the response from your office to validate the debt does not have an account number on it. Luckily, I have my credit report on hand. The account details and numbers are as follows : Acct # :  XXXX  in the amount of {$510.00} Acct # :  XXXX  in the amount of {$350.00} Acct # :  XXXX  in the amount of {$25.00} Acct # :  XXXX  in the amount of {$180.00} *Please Note : Acct # :  XXXX  in the amount of {$180.00} has been deleted, however, I would like to verify that the account does not return and report illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Borrowers mortgage loan is delinquent. They received a Notice  of Default and Intent to   Accelerate on  XXXX   XXXX ,  2017 . The letter referenced a Loss Mitigation  Specialist available to provide additional information. Borrowers called that day and were on hold for over half an hour. This is not the first experience where they were unable to speak to a Bayview representative. Borrowers have previously been on long holds, calls not answered, or disconnected. Borrowers also dispute Bayview 's accounting to cure the default. Borrowers have conducted their own accounting of amount due to cure the default. The borrowers ' accounting is a lot lower than the amounts stated by Bayview  on  XXXX   XXXX ,  XXXX , and  XXXX  ( all written stated amounts are different ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX talked with Bank of America customer service, Escrow account service. Received letter from B of A 1 required minimum balance XXXX.since XXXX up to XXXX, when escrow is short ( Insurance & Property tax mortgage payments increase each year to cover shortage, where is the XXXX and when is it utilized? I was forced to have escrow XXXX. I owed property tax XXXX. B of A demanded mortgage payment to include XXXX & XXXX property tax & insurance for the year, XXXX to be paid immediately, the total was over XXXX. 
XXXX B of A has not acknowledged payment of XXXX taxes increased amount or XXXX County has not sent a bill to show amount paid. I paid increase amount of Insurance and B of A sent total amount anyway and Insurance company send me a refund. 
Required minimum balance was not required, because XXXX with escrow accounting put in a request for me that XXXX is, was no longer required. It was approved. 
I paid the amount that would cover shortages for escrow. XX/XX/XXXX I paid XXXX. I have made these payments and B of A has not added them into the Escrow account or given me credit to keep the mortgage payment. This is the 2nd year I have made payments. The new payment for XXXX is XXXX giving no credit for these payments. 
I changed insurance company 's B of A paid both of them sending the computer figures back to an increase mortgage payment because escrow was short. 
MY COMPLAINT MORTGAGE PAYMENTS SHOULD NOT INCREASE, no required minimum bal. .Also B of A has not sent me any monies my escrow account closed XXXX with a bal of XXXX and the payment deductions are inconsistent. 
XXXX XXXX XXXX XXXX XXXX XXXX B of A has not sent letters acknowledging the dismissal of required minimum bal, or a letter to XXXX county about the payments of tax increase.

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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-11-07
Company: Block, Inc.
State: NE
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023 I made a purchase through the Afterpay app for an item from XXXX for XXXX USD. I returned the item in store on XX/XX/XXXX following the return instructions provided. I have not received a refund for the item nor do I have possession of the item. Afterpay is still charging me installment plan of 4 payments of XXXX USD. I contacted XXXX, the manager stated the refund was successful to the original form of payment. Then I contacted Afterpay who redirected me back to the merchant. I emailed the Afterpay representative the receipt with proof of return the manager provided me and they are no longer responding.

Company response to consumer: Closed with explanation